Payday loans and BNPL apps like Klarna or Affirm look like easy fixes but trap families in fees and debt.

12M Americans use payday loans each year with rates up to 200–300% APR.

21% of Americans used BNPL in 2022, often juggling multiple loans.

U.S. household debt hit $18.39T in 2025, with credit cards over $1.2T and rising delinquencies.

Why Bitcoin matters Bitcoin flips the script. Instead of borrowing against the future, you save for the future. You can stack any amount, even just a few sats. Holding it builds patience, protects against inflation, and pairs naturally with minimalism.

In practice Replace a $60 monthly BNPL payment with $60 a week in sats. That is over $3,000 saved in a year instead of owed. Add a small cash buffer and payday loans lose their grip.

Takeaway Bitcoin is not about getting rich quick. It is about slowly building ownership and breaking free from debt traps. Even $5 worth of sats at a time matters.

Stack a little. Own a little more of your life. ₿