As a late Millennial I don’t understand BNPL. But I wonder if Zoomers use it as a credit card. So saying BNPL is worse might be a Boomer take.

I’m old enough to remember when Sears and K-Mart offered layaway plans.

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yea, here is some relativity of people chastising others using a credit card for food

https://www.youtube.com/watch?v=TYhAsHr478s