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The math looked like a miracle. It was only $100 a month. That was just three less takeout orders, or maybe a slightly lighter grocery cart. He tapped his phone against the terminal, the "Buy Now, Pay Later" app flashed a green checkmark, and by Saturday, the "portal" was in his living room.

For the first three months, life was cinematic. Every Saturday was a movie night. The crispness of the grass during football games made him feel like he was standing on the sidelines. The $100 auto-drafted from his account, a quiet ghost in his bank statement. Then the "Life" happened. buy now pay later televisions

Then he saw the sticker: