The burrito cost $14.38. At checkout the app offered to split it into four interest-free payments of $3.60, and he felt the small, clean thrill of a man getting away with something. He ate it in the car. It was a good burrito.

Payment two came due eleven days later, by which point the burrito was a memory and the payment was a notification. He has since financed a phone case, two concert tickets and a second burrito. The app sends a little burst of confetti every time. He has started to look forward to it.