Buy-now-pay-later is honest about only half its name. The buy-now is loud. The pay-later waits in the dark.

The thought behind it

It publishes a price that usually goes unquoted — not to frighten you, but so the trade can be made knowingly. It sits in Money Mind because it treats spending as a symptom, and symptoms are worth reading before they are treated. “dark” is doing the work: it is where the line stops describing you and starts asking something.