"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

"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/