Pay Later Credit

Last christmas, one in four pounds was spent using a by now pay later company. If you can't afford something at full price, spreading out the cost for most people is going to end in tears. The similarities with the pay day lending industry are that they are trying to get people hooked on their form of credit. So isn't this a generational thing? Aren't people like you and me too old to see that young people do want to use chlorina? And think the under thirties, that is their demographic?