Buy now, pay later is the worst thing for consumers since payday loans

We're living in a time when you can finance pizza. Where $100 jeans can be split into four easy payments. Where "zero interest" sounds like free money. But behind the buzzwords and flashy apps, Buy Now, Pay Later (BNPL) is turning into one of the most financially destructive forces in America.

What started as a clever tech innovation to help people "manage cash flow" has become a full-blown debt trap — one that's quietly ruining the financial health of working families across the country. BNPL is marketed like a budgeting hack, but it's really the worst thing that's happened to consumers since payday loans.