To be clear I think the BNPL thing laid out here is Bad(TM), I just got there through my belief system about how society should be organized.
I do not believe that life is measured in how many burritos I can or cannot get access to, so the idea that not using BNPL means I'll get more burritos next month falls a bit flat on me.
Huh, I am trying to maximize my burrito access, but there is a time-cost to burritos. If I am hungry today then a burrito now is worth more than 1.2 burritos a month from now.
Really, it seems more reasonable to use BNPL to purchase a burrito than a PS5.
I do not believe that life is measured in how many burritos I can or cannot get access to, so the idea that not using BNPL means I'll get more burritos next month falls a bit flat on me.