Buy now, pay later: The Trouble with Frictionless debt

Recently my kids came to me and told me that they wanted to buy something online. I asked them what it was, and it turned out to be a significant purchase. I asked them, how will they buy it since their savings were not enough?
They told me about a new app which allowed them to “buy now, pay later”. I did not like that idea for a number of reasons.
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