Save Now Pay Later

When thinking about sustainable products, we rarely wonder about sustainable personal finance practices. There are some people out there who believe that consumer credit is actually becoming less and less sustainable with the adoption of micro-credits and BNPL, which usually come at a high cost of financing and with heavy penalties.
SNPL is a sustainable alternative where the consumer has to wait and save before he can buy something. Will that work ? Are some people willing to become more patient ? We do not know, but sure like the idea.