shades fills you in

Buy Now, Pay Later (BNPL) companies -- like Afterpay and Klarna -- let people pay for stuff over time instead of all at once

SFGate sounds the alarm: BNPL is putting Gen Z in crippling debt. Yet again, evil tech ruining lives

But Fast Company says that it’s helped retailers stay afloat -- and improved their marketing

But NY Magazine isn’t so sanguine: Young people’s BNPL debt could be the catalyst for the next recession!

The Atlantic agrees: While Zoomers think credit cards are dangerous, they’re fine with BNPL. That makes no sense

Wait, wasn’t this like, always a thing? BNPL is just a sexier version of the layaway plans of the 1930s -- Glamour