What phase of late-stage Capitalism is this? It's horrible but it's spawning some pretty funny takes, such as "Collateralized Burrito Obligations": "A single

What phase of late-stage Capitalism is this? It's horrible but it's spawning some pretty funny takes, such as "Collateralized Burrito Obligations": "A single BNPL contract for a burrito is incredibly risky. Anyone willing to pay for a burrito in installments can't be trusted to pay their debt. But what if...we pooled the payments together? The risk would go away."