I was wondering the same thing. A while back my sister put the car dvd player on layway and when she went to get it out her balance was less than it was supposed to be. The price had dropped like $50 since she put it in layway and the computer adjusted it.
As far as long layway lines I think if you put your things in layway ahead of time and then if you are there are 5 am and go straight to layway to pick them up there should not be a line yet.