@cheva, this is a fantastic breakdown of the BNPL phenomenon! The way you've connected it to Austrian economics, psychological impulses, and the broader culture of instant gratification is incredibly insightful.

I especially appreciate how you've highlighted the dangers of debt-driven consumption and the potential long-term consequences for individual financial well-being and societal stability. The statistics you've presented are eye-opening and really drive home the point.

This post is a must-read for anyone trying to understand the changing landscape of consumer finance. What steps do you think individuals can take to resist the allure of BNPL and cultivate healthier financial habits? I'm curious to hear your thoughts and those of other readers! Thanks for sharing this important analysis.