BNPL is not even what they say it is. Once you buy, you've paid, end of story.
If i buy a car for $50,000, I have paid. Whether from cash in my bank or a $50,000 loan. Either way, I'm $50,000 poorer from that day. (And up a car).
BNPL works the same. Your debt still comes off your bottom line. If you genuinely have no cash in the bank when you buy that $500 TV, you now have -$500. And you need to work to be worth $0+.
