What is this Myth called BNPL?

The abbreviations simply mean "buy now, pay later" in installment. BNPL is well recognised globally, and is certainly not new in the market.  Such purchases can be sold anywhere globally. Right now the Giant companies like FAVE, $PayPal (PYPL.US)$ and $ Apple (AAPL.US)$ are making thriving business  by providing  the BNPL platform.  More so with Covid 19 and the Delta variant pandemic, which further accelerates the trend of buying on-line. This concept of BNPL is gaining popularity among the savvy  shoppers, especially among the (Gen Z) group. The allure of this platform are:
1) BNPL provides customers a ready payment minus the use of cash or credit card.
2) Customers  are permitted to stagger out their payments in affordable  stages.
3) As opposed to credit card payment which need to be settled the following month, BNPL allows the flexibility of a stipulated payment period.
4) If well managed,  consumers find BNPL offers  a smaller manageable repayments  with no interest  or hidden fees incurred.
5) It also provides consumers instant assess to the purchased products with no messy account set-up. 
The weak link is of course the use of BNPL is hazardous to a consumer who lacks  self-discipline to budget his expenses.
Having set aside the pros and cons of the BNPL service, we come to face the question of whether this concept can be applied to leveraging investment? In truth, it is Risky to buy shares and pay later. This trading strategy  requires extremely shrewd and vigilant monitoring by the investor to his wealth wallet, in order to ensure profits. Otherwise, he can easily fall into a vicious cycle  of debt.