Usage of the flexible payment method hit an all-time high on Cyber Monday, driving $1.03 billion in online spend (up 4.2% YoY), as consumers looked for greater flexibility in managing their holiday budgets. The vast majority of BNPL transactions are happening on a mobile device as well, at 79.4% share on Cyber Monday (vs. desktop). In an Adobe survey of over 1,000 U.S. consumers (conducted Nov. 2025), respondents said they were most likely to use BNPL for electronics, apparel, toys, and furniture purchases.
Source: Adobe Analytics.
No debtors prison but there is a credit score. And that shit is the gateway to paying less for everything when you’re borrowing money. Especially for a mortgage on a house so you actually have equity in the property you’re living in.
Wrecking your credit score basically gate keeps you from a lot of stuff sadly.
I mean, I know you said /s but just saying fucking up your credit can screw you hard in the hyper capitalist hellscape we live in.