Consumers struggle to afford major purchases without debt, leading to financial stress and long-term payment obligations

People resort to credit for expensive assets (homes, cars, phones) because they lack sufficient savings or accessible capital, creating cycles of debt repayment that strain budgets and limit financial flexibility. Current solutions like traditional loans and financing options don't address the root problem of insufficient income or savings rates, leaving consumers trapped in perpetual payment obligations that impact their financial wellbeing and future opportunities.