Interesting question!
Well id say more spending means less saving in the long run as households save a smaller portion of income. Also, I think there is a possibility that the type of consumption itself may shift towards big ticket items that they can pay in smaller chunks, which will take away from spending in other areas...
E.g.
I notice that in the office environments I work in so many people I work with pack lunches, drink instant coffees but they have the latest tech, biggest tv's on the market, home entertainment etc. Maybe BNPL will just continue this. There is no incentive to save when interest rates are this low.
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Interesting question! Well id say more spending means less...
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