[elvinyung]

Would you say the same about a house? A car?

You might say that buying a house on credit isn't frivolous but a pair of shoes on credit is, but where do you draw the line in the middle?

(Disclaimer: I work at Square, but I am otherwise completely uninvolved with this acquisition or product area.)

[systemvoltage]

Great question and made me think. I think the difference may be that people that need to stretch payments for smaller purchases tend to build up credit card debt and fall into 18% APR for years and never get out of it.

Car loans and Houses have a very controlled lending market. Even more so with business loans.

I think there is big difference between monthly payments for a Go Pro camera and debt financing your new restaurant.