Do I know anyone who has used it? Yes, she’s my wife! She is also available for 4 easy payments. Comes with budget-destroying karate-chop action.

I also have a friend who historically has been bad with money and has also used it. In this case both of these people are over 40, however my understanding is that most people who use it are younger, 18-35 or so, looks like there is some research out there on this which an AI can unearth easily enough.

For my part I do not love them, they may be helpful for some people but as a symptom I do not like how warmly they have been embraced.