Ep.454 Why "Buy Now, Pay Later" is a Glitch in Human Decision-Making

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. ...