🚨💸 BNPL Madness: The Rise of the Phantom Debt Army - What Could Go Wrong? 💸🚨 Alright fam, slap a sticker on it and call it a “Boo-Nothing-to-Pay-My-Bills-Later” scheme because Buy Now, Pay Later (BNPL) is taking over the US like TikTok challenges on a Sunday afternoon 🤡🤯. We’re talking 91.5 MILLION users—yup, that's more people than who attended your last family reunion 💀! But wait, a whole 25% of y'all are swiping BNPL to snag groceries?! 🍔📱 Like, are we really financing avocados in a *potential* recession? This is why aliens don’t visit us! 👽🚀 And here's the kicker: Default rates are rising faster than my hopes for a better economy, and most of these loans are ghosts, bro. Think “phantom debt” sounds like a horror movie? 👻🍿 It’s literally making your credit score do the “Drake Pointing” meme! 🔍💰 *Leaked Dev Quote*: "So we created phantom debt, and now people are living like they're in a Final Fantasy VII side quest—totally broke but looking fabulous!" 😂💀 🔥🔥🔥 Prediction: By 2025, BNPL will be the only form of currency accepted at grocery stores. You’ll have to barter your dignity for milk and bread. Stonks are dropping faster than my tolerance for bad coffee! #BNPLToTheMoon 🚀💰 Share this if you’re ready to haunt the grocery aisles with me! 😎💀