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.
Our current fist currency is all fake. Based on farts and promises.
The users of buy now pay later probably discovered that loophole in our society, that they are just using someone else’s fake money to buy stuff.
They are onto something enlightened
No. Their business model is literally currently failing.
People can’t afford to pay back. That is why they couldn’t afford saving for it. So the service provider will sit on bad debt until no one wants to leant them money anymore and they are bankrupt.
People shouldn’t pay back. Its fake money after all, it has no real value, just made up debt value and promises and shit.
It’s not gold or silver
Honestly, I am kinda tempted to say “To hell with fiscal responsibility!”, and just live like someone with a decent income. That said, I will do the supposedly responsible thing and just keep foreign currency or buy gold. Because I am expecting this scenario to come for the American dollar:
Is this the right tactic to take? Who knows… 🤷♂️
That’s why I sold all my dollars to my local currency one year ago. I am not trusting that currench