if you waited for cash, very few peolpe under 45 would own a motorbike, let alone a ducati, unless it was their main transport or it was cheap. Even then, I dont know anyone who bought at least their first proper (not banger) car without finance of some kind, and know a fair few who have a bob or 2 who never pay cash.
like some others, I too have had probs in the past, but who wants to be a millionaire at 65 when you have wasted your life saving up for it to be too old ti benefit!
Live for today and plan a bit for tomorrow