From the article:
"The program, which has a minimum layaway purchase of $50, "
So you wouldn't be able to just do the one $15 toy.
(And the $5 fee on only a $50 layaway actually works out to an annualized interest rate of 60%. ;-)
I'm sure, though, that no one is thinking that way.)
Many will be very grateful for the availability of the service.
And I'm sure it will be used for more flat screen TV's than toys. ;-)