[mbStavola]

From the consumer pov, why would I opt for a PNBL option? If I have the money on hand, wouldn't I just make a regular purchase?

Not trying to be snarky, genuinely curious what the sales pitch is here.

[ldoughty]

That's effectively any membership service where you get a discount... e.g. Amazon prime, arguably... or Membership grocery stores.

Pay up front for benefits that are realized later, upon further action.

I have a membership with my local craft brewery that I love to frequent that similarly could be considered a PNBL like financial thing.

Arguably, it's also gift cards, though yeah, without any benefit, no one really buys gift cards for themselves.

[roland35]

Hey sometimes gift cards are on sale! So in effect a pay now buy later.

My favorite restaurant often has a Christmas sale on gift cards (something like $10 when you buy $100) so I'll get a few for myself.

[apothegm]

The sales pitch is for people who don’t have the money on hand. But hope they will later when their next paycheck comes in.