There is one in Columbus OH that does. The policy is 'enough down to show you are serious, and pay it off as you can' and has been that way for years. Some have abused the policy (I know of one that took three years to pay off a US Spector), but it hasn't been changed. I only know of the one shop that does offer a musician-friendly layaway though (German Village Music Haus, I'd link to the web site but it does a poor job of representing the bass offerings (IE only lists Alembic, G&L and Gretsch, but leaves out Pedulla, Spector, Lakland, Rickenbacker, MTD, Washburn and Traditions)). I've always believed in supporting the local shops that deserve it, and this one does.
I now return to my regularly scheduled lurking...
