(1) Wal-Mart had layaway?
(2) And then they got rid of it?
(3) And they're charging you $5 for the privilege?
They have minimums (each item must be at least $15 and the total purchase must be at least $50 and you have to start the clock after a certain date and pick it up before another date), but I'm betting there are also some maximums -- I wonder what they are? I'm trying to remember if I ever used to use layaway at the Bon. I got my first store card there when I was a teenager, and I did seasonal work there a couple years so I seem to recall being on the store side of completing a layaway purchase. Perhaps R. will remind me if Woolworth's had layaway when we worked there? I _think_ it did, but it's been a long time.
I suspect the minimums are to avoid some of the interest/fee regulation aimed at payday lenders, but I'm not sure.