

most BNPL loans aren’t reported to credit bureaus, creating what regulators call “phantom debt.” That means other lenders can’t see when someone has taken out five different BNPL loans across multiple platforms. The credit system is flying blind.
Only good things can come of this.





No idea if it was intentional given how long a series’ production cycle can be before it ends up on tv/streaming, but it’s hard not to see Vince Gilligan’s Pluribus as a weird extended impact-of-chatbots metaphor.
It’s also somewhat tedious and seems to be working under the assumption that cool cinematography is a sufficient substitute for character development.