Bengaluru CLPs: Are we just funding builders?

Okay, I'll say what no one says: construction-linked payment plans are a scam for buyers, pure cash flow for builders. Why pay for something that's only 20% built? I'm fed up of renting near Richmond Circle and looking at Keya Homes, but their CLP seems designed to drain my pockets. Isn't a higher upfront down payment, maybe leveraging a spot discount, always better for overall cost? I'm talking actual savings, not just EMI deferrals. Change my mind.