The monthly payments can end up being more expensive than the machine at full price, why is this?

Each month, the fee you pay is converted into Nespresso Credits.
As an added benefit, we provide you with an additional 10%.
This means that the total amount deducted for your subscription, along with the extra 10%, becomes Nespresso Credits on your Nespresso account.
You can use your club credits to purchase any Nespresso products, with the exception of additional subscriptions.