I’m referring to what Mr. Charlebois said earlier about buying now and paying later. Since credit card issuers have fewer protections, interest rates are higher. The risk is higher among young people in particular, because they are the ones who use this payment method—that didn’t exist in my time—to buy food on credit and pay for it over a number of months.
What would be the impact of this type of system, where there is less protection and credit card interest rates are higher? Young people might think that taking on debt is not all that serious, because they can make deals with their creditors. It could become a never-ending cycle.
Do you think that's a pattern we could see?