Both are victims of a system designed to keep you in debt and make bankers rich. BNPL, though, is more accessible to those least able to pay. Sure, it’s convenient… but it comes with real risk. And it masks low wages .. an opiate for those not hooked on credit cards already.

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Writer and policy advocate living in Nashville, TN —Public Policy Ph.D. — writes on education policy, consumer affairs, and more . . .

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