[munk-a]

Well the good news in America is that you'll probably have to declare bankruptcy over medical bills by the time the loan actually comes due so... problem solved!

I really agree though, buy now pay later seems like a huge fiscal trap. Employment is at will and you have no guarantee about what tomorrow holds so it's good to try and live within your budget whenever possible... this doesn't really go for housing and the like though since those costs are so astronomical you're going to be gambling with debt no matter how long you save first.