Hi Laura,

Really glad you enjoyed it!

Funny enough, I was just having this conversation with a friend of mine who views the buy now pay later offerings rather favorably. His main reasons basically boiled down to it gives consumers an option to make bigger purchases and pay them off over time without the credit card level interest rates.

While that sounds like a nice benefit in theory, I’m with you on why this is a slippery slope. It gets younger people especially a little too comfortable with living beyond their means. And these payment options wouldn’t be cropping up everywhere if the service providers weren’t making a killing off those fees!