If you're informed and disciplined about it, I absolutely think it's possible to use these services responsibly. I don't really see a problem if I have given my

If you're informed and disciplined about it, I absolutely think it's possible to use these services responsibly. I don't really see a problem if I have given myself a reasonable monthly allowance for discretionary spending and sometimes I decide I'd rather spend a higher amount over several months to get a toy now, rather than save up my allowance over several months to get the toy later for a lower total amount. As long as I've set my monthly allowance responsibly and I stick to it, I just see this as a preference for how I spend my play budget, no different than deciding to use my play budget on movie tickets vs. concerts vs. stereo equipment vs. anything else. The bigger concern, of course, is to what extent these service providers deliberately influence people to spend irresponsibly, particularly if they make it difficult to understand at a glance the financial repercussions of the loan policies.