without regulations, this kind of debt will burden the most financially vulnerable, just as credit cards, payday loans and layaway have in the past. In 2021, Klarna launched a “Fill up now. Pay later” program with Chevron and Texaco gas stations, which gained media attention earlier this year; a recent Ipsos poll, funded by Afterpay, found that respondents were interested in using buy now, pay later for dental work, car repairs and even rent. Fifty-six percent of those surveyed were interested in point-of-sale loans for medical bills, which more than a quarter of Americans are struggling to pay