Buy Now Pay Later isn’t a good thing for most Malaysians especially a population already wrestling with debt. Think platforms like Atome, ShopeePay Later or Grab PayLater. It’s a glossy lure that hooks people into overspending, piles on hidden costs, and exploits shaky finances—all while dodging the guardrails that might make it safer. It’s like a credit card stripped of safety nets and supercharge for impulse—convenient until it’s not