How Buy Now Pay Later Traps You, Explained

Ever wondered why “pay in four” buttons feel irresistible? They’re designed to exploit ADHD brain wiring—leveraging executive function deficits, dopamine manipulation, working memory overload, and future blindness. Services like Klarna, Afterpay, and Affirm thrive on “phantom debt,” with the average person juggling 9+ payment plans and paying hefty merchant fees and penalties. Millennials and Gen Z—especially those with lower credit scores—are prime targets. I share three harm-reduction strat...