Ep.454 Why "Buy Now, Pay Later" is a Glitch in Human Decision-Making
About this episode
BNPL isn’t a budgeting tool—it’s a neurological bypass. By splitting costs, these platforms exploit the psychological distance between the pleasure of the buy and the "pain" of the pay.
Reality Check:
• 38% jump in post-purchase regret.
• Silenced friction: Your brain ignores the full weight of the debt.
• The Trap: The dopamine fades, but the obligation remains.
You aren’t managing cash flow; you’re eroding your future purchasing power. If the price is split, your judgment is compromised.
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