At least with credit cards, you can use them wisely and still benefit from them (credit cards often have benefits that no debit card has, a high credit score ca

At least with credit cards, you can use them wisely and still benefit from them (credit cards often have benefits that no debit card has, a high credit score can theoretically help you elsewhere, and so on). But I agree that neither credit cards nor BNPL were created with benevolent intentions - a lack of financial literacy seems to be fairly common, and these payment methods are used as ways to make people feel richer than they actually are, and spend accordingly.