Скачать или смотреть The BNPL Trap They Don’t Want You to See! Buy Now, Pay Forever! Debttrap!

The provided text explores the *multifaceted dangers* of "Buy Now, Pay Later" (BNPL) services, characterizing them as a significant, often *unseen, debt bubble**. It explains how BNPL's psychological appeal, by making payments seem smaller, encourages **overspending* and can lead consumers into a *debt spiral**, particularly for those with limited financial literacy. The text also highlights the **hidden costs* and corporate risks associated with BNPL, such as substantial losses for companies and *merchant fees* passed on to consumers as a "hidden tax." Ultimately, it argues that BNPL normalizes **continuous debt**, turning individuals into "products" who generate revenue through fees and penalties, with broad **economic and social consequences**.
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