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Microfinancing a Burrito – Second Thought SUBSCRIBE HERE: http://bit.ly/2nFsvTS If you appreciate our work, you can support the channel by signing up for Means TV, the world's first cooperatively owned anticapitalist streaming service! It's got some amazing original content already, with more on the way! We've got some bigger projects in the works 👀 You can snag a 20% discount by using my link: https://means.tv/orders/customer_info?o=70845&d=SECONDTHOUGHT New video every other Monday! Citations and Further Reading: 90M Americans used BNPL in 2024/$80B prediction for 2025 https://www.emarketer.com/content/us-bnpl-user-growth-continues-through-2028-slows BNPL popularity https://www.nbcnews.com/business/personal-finance/buy-now-pay-later-daily-essentials-groceries-young-adults-rcna141718 https://www.businessinsider.com/doordash-klarna-buy-now-pay-later-bnpl-food-delivery-debt-2025-3 https://www.bloomberg.com/news/articles/2024-05-09/what-is-buy-now-pay-later-how-bnpl-plans-work Klarna CEO says only 4% of users are charged a late fee https://jacobin.com/2024/12/buy-now-pay-later-klarna Bloomberg survey says 43% https://www.bloomberg.com/news/articles/2024-05-09/what-is-buy-now-pay-later-how-bnpl-plans-work#:~:text=In%20the%20US%2C%20a%20recent,of%20spending%20on%20the%20platforms Klarna’s use of AI https://www.businessinsider.com/klarna-ceo-sebastian-siemiatkowski-ai-jobs-2024-12 CFPB and BNPL https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-to-ensure-consumers-can-dispute-charges-and-obtain-refunds-on-buy-now-pay-later-loans/ BNPL lobbies for deregulation https://jacobin.com/2024/12/buy-now-pay-later-klarna CFPB defanged https://www.nbcnews.com/business/business-news/doordash-klarna-buy-now-pay-later-food-debt-rcna197354#:~:text=with%20staffers%20ordered%20to%20stop%20all%20enforcement%20activity%20last%20month%2C%20former%20employees%20and%20consumer%20advocates%20believe%20the%20rule%20has%20been%20rendered%20moot https://www.nbcnews.com/business/consumer/s-stake-consumers-trump-officials-target-cfpb-rcna191467 https://www.nbcnews.com/politics/doge/russell-vought-consumer-financial-protection-bureau-trump-rcna191356 Steve Threadgold et al.’s research on BNPL https://www.tandfonline.com/doi/full/10.1080/17530350.2024.2346210 https://www.tandfonline.com/doi/full/10.1080/13676261.2024.2371014 Follow and Support Second Thought! Twitter: https://twitter.com/_SecondThought Patreon: https://patreon.com/secondthought BuyMeACoffee: https://www.buymeacoffee.com/secondthought CashApp: $JTChapman About Second Thought: Second Thought is a channel devoted to education and analysis of current events from a socialist perspective. Welcome! Business Email: [email protected]

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