My belief as to one reason why: People love to procrastinate. The average person sees the phrase "Pay Later", and they think "Oh great, I can put it off!".
Anybody who lets someone they don't know hang that kind of Sword of Damocles over their heads is insane. Waaay too much can go wrong between the whole "buy now" part and the "pay later" part. Especially in this glorious
Bidenomics economy.
If you need it and have the money then buy it now and get the "payment pain" out of the way immediately. If you need it and don't have the money now, then save the money until you can buy it and pay for it right then. If you don't have the money
and you don't need it, then STOP IT!!! Stop looking for stupid shit to throw away your money on.