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https://www.foxbusiness.com/economy/americans-using-buy-now-pay-later-to-afford-groceries-other-necessities
IF people are doing that to buy groceries, then they are in trouble.
I don't think IF is debatable. I think the debating point is how many and in which economic classes.
In my youth I knowingly bounced a couple checks so we could eat. You'd be surprised what you do when you have very few choices.