In today's consumer-driven world, the rise of Buy Now Pay Later (BNPL) services like Klarna, Affirm, and Afterpay has changed how Americans shop. While these platforms promise convenience by spreading payments over time, a shocking $120 billion in BNPL debt reveals a darker truth: many users find themselves trapped in financial uncertainty. This insightful exploration prompts critical questions about responsibility, regulation, and the culture of instant gratification. With an easy-to-understand
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