But this is a screenshot of your cart at the Starbucks app?
Am I missing something here? This doesn't make any sense. It's not even related to a loan
this post was submitted on 29 Jan 2025
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the kids size and the smallest size are the same size but a different price
My English is not the best but how does that qualify as a loan?
the title references something else than the image
some places allow you to pay for stuff over a period of time, so you can actually be financing something like a pizza
Credit card installments exist all over the world. Those are not loans
Is that what's being displayed here, a pizza paid by credit card installments?
What is displayed here is a price disparity for the same item. The top bar of the meme identifies this as a side effect of capitalism. The title is talking about insane financing schemes which are also perceived as a side effect of capitalism. That is how they are related, and I’m pretty sure OP is making a joke with the 69% reference. The whole mood says “capitalism bad”.
thats what the title is referring to. as in, not what is in the image itself. the image itself is showing the same product for the same size yet the "kids" version is almost a dollar cheaper than what everybody else would usually get
The screenshot shown references nothing about a payment plan or a 69% APR. What am I missing?
The lack is itself a reference to how many times OP has 69d (zero)
Pretty sure that's just OP making a snarky comment in reference to payment plans for pizza
That's not what the image shows though. It's comparing a kids 8oz hot chocolate to a short 8oz hot chocolate which have different prices despite being the same items.
I have seen a few posts going around about how there are short term loans like affirm being used for coffee shops but the image here just isn't at all related.
Yes, that is what the thread starter said as well.
I believe what OP is trying to communicate is that charging adults and children different amounts for a hot chocolate is as dystopian as buying a pizza on credit.
Well if that's what they are doing is s dumb thing to do
It's not somebody playing the piano either.
Ah, very likely. I'm a literalist at heart, which is often at odds with posts of this nature. Thank you.
sounds like a touch of the tism
All of the "buy now pay later" or pay in installment schemes/apps popping up, supposedly they are popular but I don't get it, it is just a worse credit card.
With credit cards you'd have to pay in full next month or pay interest. Here the installment plans go to to 3 or 6 months without interest.
You also don't need to own a credit card so no need to pay that monthly fee.
Not all of them are without interest. In fact, the ones you'll find the most are quite usurious.
They're all interest free in my country, but if you need a longer period, you can get an installment plan that has an interest rate comparable to a credit card.
The longer time to pay makes sense but the cards I have dont charge me for having them, I know availability of cards may vary though, some people might not have decent card options, I guess it makes sense.
Probably varies by country. My gold card was something like 5 euros a month which isn't a whole lot, but it's still money for something that only serves to make it way too easy to take on debt and has little other value.
Ah ah ah! It's another credit card. People with no self controle love that.
I'll take the 69, you can keep the loan. 😏
Hi, I'd like to apply for a mortgage. No, just a kid's mortgage, thanks.
If kid's mortgage is the one your kids continue to pay after your death, then I'm sure we'll see it soon.
Switch Kids out for Wedding and triple the price.
Eh, I have similar feelings, but there is a reason for the wedding price increase. As a florist once told me, there's a reasonable amount of 'oops' that can happen with a regular customer, and they're often accommodating. Only 11 roses came to the door on valentine's day, but they ordered 12? An apology and a discount is often more than enough to make the customer happy. If a bride doesn't get a perfect flower arrangement, it's already too late.
Extend that to the other sorts of merchants you'll be dealing with at a wedding, and look at the cost increase as buying super, ahead-of-time insurance to ensure that everything is perfect. For something like the cake or photos, that means you have to dedicate more time or resources than usual to make sure absolutely nothing goes wrong (enough to notice). Two photographers instead of the single photographer for a corporate shindig, three cakes baked just in case one of them turns out slightly flat, that sort of thing.
That kind of thing I get. It's the corporate mass produced side where they literally just repackage the same product and mark up the price that's objectionable.
Kids items have been cheaper as long as I can remember. I guarantee a restaurant you’ve been to has had two identical items at different prices, or things that are cheaper and you get more of the thing. The only thing modern about this is taking a screenshot of your cart.
It's called price discrimination, and it is, in fact, not new at all.
Consider, for example, that children generally also pay less for entrance into theme parks, swimming pools, and many tourist attractions, or can get a library card for free while adults have to pay full price. It actually makes a lot of sense when you consider that children generally do not earn their own money, and even if they do, they tend to earn a lot less than adults.
This is literally "from each according to their ability, to each according to their needs" in action.
Are there places that make adults pay for a library card? I’ve never heard of this in the US at least.
Might be wrong on that but I'm pretty sure the other examples are correct.
Kids items are generally not available to adults in any form.
"It's to-go, my kid loves the food here"
the empty house that OP lives alone in
Millennials can't afford houses because they're buying adult meals instead of child meals? I knew it!
And this is the innocuous form of it. Places who don't serve children often are generally happy to make their profits off of adults and worry less about income from the odd child (especially Starbucks).
If you want to see real tiered pricing, look at all the fast food apps. The purpose of those is to extract as much money from you as possible. Those who don't want to deal with them pay double, and they don't lose much business from those who refuse because they're often willing to use the apps.
It's innovative because it applies evolutionary pressure by making sure that dumb people falling for such simple scams will be too poor to survive and reproduce /s
Payment plan please, 69 month term.
Nice.
goes bankrupt