Half the stuff you buy, you can’t actually afford. But debt dealers have found a way to break down payments so your future self can pay for today’s bad decisions. Luke and Mikey explore what would happen if all consumer debt was banned tomorrow: new car sales would drop 80%, white wear would last 15-20 years instead of 7-10, and people would focus on skills and experiences instead of stuff they can’t afford. Debt is a form of slavery. You’re pledging your future self to pay for things you want now. Meanwhile, buy now pay later increases average order value by 40% because people add extra items when they’re not paying real money. The cage is disguised as convenience. You think you’re using their money, but they’re using your behaviour to make you spend more. Stop being the bank for your future self. The journey matters more than the transaction.