When Groceries Go on Installments, Something Is Broken
Beyond Blockchain
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91.5 million Americans now use BNPL.
25% use it for food.
Unemployment is rising, student loan payments are back, and regulators just rolled back BNPL oversight.
Nigel Morris calls it “a real issue,” and he’s not one to panic.
This isn’t a crisis yet — but it’s a warning.
If consumers crack, the shock won’t stay contained to BNPL…
It will spill into credit cards, auto loans, small businesses — everywhere. -
BNPL for groceries reflects how inflation is reshaping household budgets.


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