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What stage of capitalism is this?

DoorDash is partnering with Klarna so users can pay for groceries and takeout in installments. “Buy now, pay later” services like Klarna can be a convenient way to split up big purchases, but can also be debt traps. It’s the type of service the Consumer Financial Protection Bureau was looking into — before Elon Musk and the Trump administration began gutting the agency.

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