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The very phrasing, "buy now, pay later" is predicated upon the implication that it provides a benefit without a negative.

• LigmaYC 5y ago
  Where does it imply a benefit without a negative? The "pay later" part is clearly stated
  • shakna 5y ago
    "Pay later" is a benefit, to the audience we're discussing, as it means "not now". Young adults actually have processing problems over impulse control [0], and so cannot see any drawback to "not now" - in fact they likely do not have a way to fully conceptualise that something will occur in the future. All "buy now, pay later" translates to is "instant gratification", nothing further. [0] https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2964271/ https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2964271/
    • LigmaYC 5y ago
      Lacking impulse control does not mean that the entire concept of "pay later" is a scam.