Afterpay makes it affordable but analyze: does it really? Map BNPL: purchase justification, total spending, repayment stress. Calculate: BNPL purchases vs. outright purchases vs. debt. Show me the BNPL reality: BNPL increases total spending. Give me the truth: if can't afford it now, can't afford it. Include: whether BNPL is helping or enabling, what total spending looks like, if creating debt.