"I think that BNPL pounces on the YOLO mentality for younger consumers, making it dangerously easy to overspend without considering the long-term consequences."
"With just a checkbox at checkout, the immediate barriers to high-cost purchases dissolve. Suddenly, buying a $1,000 phone or five pairs of jeans together feels manageable - until the bills start piling up."
"I think it's going to be a net negative for consumers, and in a lot of ways, it's even more predatory than credit cards are due to the immediate accessibility and fewer purchase steps."
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