Hit in the feels, this one. On one hand, I'm saddened and frustrated by the proliferation of layaway and micro-payday lending companies like Klarna and Affirm

Hit in the feels, this one. On one hand, I'm saddened and frustrated by the proliferation of layaway and micro-payday lending companies like Klarna and Affirm that are squarely taking advantage of this pattern of reverse economic mobility. (Affirm is even on some NBA jerseys!) On the other hand, those services can be a lifeline for folks with $5 in their account and a need to get a ride home. In this article, Brionna was stuck at work many times because of her and her family not having a car. However, she was working doubles at Kroger and A&W to save up to go to college and move to California in hopes of reversing her family's downward spiral into poverty. What would her expected life outcome be if she could use Klarna (for example) to get a ride and pay for it later when her economic situation is better? (I'm assuming that she would use her earnings to save for her future and that she's financially responsible despite her Dad stealing her money to make his ends meet.) Either way, it sucks that so many people in the world are experiencing these hardships.