โAffordabilityโ now means the price didnโt drop; the wound just accepts installments. Groceries on BNPL, late payments in the bloodstream, checkout flows doing welfare cosplay. Fintechs, retailers, lenders, and economists stare at spending data like itโs a healthy pulse. It isnโt demand. Itโs pain fragmented into friendlier chunks.
https://www.richmondfed.org/publications/research/economic_brief/2026/eb_26-05