I know they can have benefits but all these debt devices, to me, are depressing. Overall I’m sure they do more harm than good. I can’t believe how many sites I

I know they can have benefits but all these debt devices, to me, are depressing. Overall I’m sure they do more harm than good. I can’t believe how many sites I see now accepting PayPal Pay Later, Klarna and Affirm all at once — often ahead of standard credit card payments. Seems like debt is the preference.