Subject: Re: Debt
Gen Z increasingly turns to 'buy now, pay later' services for purchases as small as coffee

Technically, using a credit card for a cup of foo-foo coffee is using a "buy now, pay later" service. With merchants increasingly reluctant to take large denomination bills, more people are simply using a credit card for everything, rather than carry around large numbers of low denomination bills.

As proposed, elsewhere, I would not be surprised if #47 picks up where #43 left off, making it progressively harder for people to file personal bankruptcy.

enacted 2005:

Referred to colloquially as the "New Bankruptcy Law", the Act of Congress attempts to, among other things, make it more difficult for some consumers to file bankruptcy under Chapter 7; some of these consumers may instead utilize Chapter 13.

https://en.wikipedia.org/wiki/...

Steve