It's the first three seconds, which feature a young woman sitting in what looks to be a very substantial apartment or perhaps suburban palace, taking advantage of a Buy Now, Pay Later "service" (this one being Uplift.) I guess she's using Uplift to buy airline tickets on Southwest.
This ad reminds me of those commercials featuring young adults buying life insurance from Ethos because "they don't ask any health questions" or Shaquille O'Neal endorsing auto coverage from The General. Whoever the audience is for Buy Now Pay Later, it's not the woman in this ad. It's not anyone who lives in a house that looks like that...UNLESS she's attempting an Influencer lifestyle and has tens of thousands of dollars in credit card debt and owns none of the stuff we see and is hopelessly underwater in her finances.
If not, this is just ridiculous. This woman has money. She has a credit card. There is ZERO reason for her to be going the "Buy Now, Pay Later" route. I mean, come on, advertisers. Who do you think you're fooling?
1. "Ever wonder why we spend all this money on stupid novelty cheese hats and plastic necklaces just so we can sit in a parking lot during the game?"
2. "Think anyone watching this ad will buy the idea that we wear dumb foam cheese on our heads in order to promote a service that has been around for about one-fifth as long as that tradition?"
3. "Do you think anyone gets a chill down their backs when they realize that we are the among the only people on Earth standing between Donald Trump and the White House?"
First, I understand that Shingles is an awful disease that way too many adults get because they forget all about getting vaccinated for it; it's that shot you are supposed to get after you reach the age of fifty and who thinks about an entirely different vaccine you get for the first time at that age? I mean, now that it's not 2020 anymore?
Ok, enough of the serious stuff. Let's get down to mocking this weird woman who doesn't have shingles because she got the vaccine but who seems to be suffering some kind of "I might have gotten that awful awful illness if I didn't get a shot" post-traumatic stress. Or she's on the Dramatic Comeback Trail from her bout with shingles. I really don't know what that pained expression on her face is all about.
Oh wait, here's a possibility: she stepped on stage for the beginning of her Triumphant Return Tour to find a grand total of five people waiting to hear her sing. Yeah, that's gotta hurt. Not as much as shingles, but plenty.
...and the praise being heaped on it in the comments section is entirely the work of bots or corporate simps. There is simply no way that people actually enjoy watching people scream, take a break to drink a bottle of chemicals, and then go back to screaming. It's beyond dumb. It's insulting.
I mean, for chrissakes. All this fuss over a bottle of liquid candy with No Sugar but plenty of chemicals that have basically the same impact on your insulin levels as Actual Sugar and God Knows What Other effects on your blood and organs, not to mention the assault on your teeth.
But shout away For Reasons ( I don't get that either. I've never once screamed at a sporting event, and I've never appreciated the screaming of others either. If I'm in a crowd of several tens of thousands of people, the very last thing I want to hear is screaming. Kind of like the last thing I want to drink is a cold bottle of acesulfame potassium, aspartame, and potassium citrate.
(Just don't use a gambling app to do it. And don't try to convince me that gambling apps aren't related to the Buy Now Pay Later phenomenon.)
Klarna, Affirm, AfterPay, and all of the other Buy Now Pay Later "services" that have been created or will be created in the time it takes to type out this post are working yet another game of hot potato, this time with millions of "small" debts packaged and sold from bank to bank and then from debt collection agency to debt collection agency- because the companies allegedly taking on debt by fronting stupid, financially illiterate consumers the money they need to live beyond their means are not even building their business model on the return of that money plus interest. You know, like actual banks.
Instead, this is all about collecting fees. These companies charge a fee to every business they can talk into accepting their "service" on the theory that the Buy Now, Pay Later option encourages additional spending (a theory that seems to be holding up in fact.) That fee is collected every time a customer picks the BNPL option. Then Klarna, Affirm, AfterPay etc. simply sell the debt to someone else, washing their hands of it and walking away with the money. When the system crashes under a mountain of unpaid and unpayable debt, no problem- their books are clean, and they'll move on to the next scam.
It's so ingenious, it's a wonder it took so long for us to come to this. I mean, shopping online is in it's third decade already. Shopping using phone apps is in it's second decade. I'm guessing this shift from old-fashioned credit card use and Layaway is just another product of the economy? Or another jewel in the crown of our consumerist I Want It Now I Need It Now I Deserve It Now culture?
Probably a good guess, considering that credit card companies, which I thought were already the epitome of Buy Now Pay Later Convenience, are getting into the BNPL business by copying the four-easy-payments strategy of Klarna, Affirm, AfterPay, etc.....that's right, the people who brought Buy Now Pay Later to the masses after World War II are now going all-in on...Buy Now, Pay Later.
Whatever the reason, between Buy Now Pay Later and the normalization of gambling, we are headed into the abyss here and the third (or is it fourth?) near-Depression of my lifetime is just around the corner. Bet on it. But not with an app.
Every once in a while I see an ad that I instantly think I should comment on in this blog, only to have second thoughts that go in one of two directions; usually, it's "this is do dumb, it descends into self-parody and is therefore untouchable by me," but sometimes it's "this ad is designed to elicit an angry response, and I'm not falling into that cynical trap." This ad definitely falls into the second category, but I'm going to briefly comment on it anyway.
The "joke" here is that two alleged adults are going on and on about the features of a phone Mom acquired that day, and two preteens are listening in convinced that they are talking about sex. Yes, it's weird and uncomfortable and goes on for way too long and as I alluded to earlier it's all designed to get people discussing the ad even if they are telling each other how creepy and inappropriate it all is. Since I can scroll the YouTube comment section with the best of them I am not going to go into all of that because Congratulations Apple you got people talking, Mission Accomplished. Instead I'll make one other point that I noticed but nobody else seems to be talking about, maybe because it fits perfectly into Commercial World but not so much into modern reality.
Mom tells her husband that she has something to show him, and it's her new iPhone 16. He's casually interested in seeing it and the rest of their little talk has to do with it's features (sort of.) At no point does he ask her why she got a new phone, or how much it costs. So she just went out and bought a new phone Because She Could? Was there something wrong with her "old" phone (presumably, the iPhone15?) The base price of the phone she is showing her husband is $800, and with the features she presumably is showing off it tops out at almost twice as much. Did we miss a conversation between these two in which a decision was made to spend maybe $1500 on a phone?
I'm being serious here- Mom is talking about a phone which probably cost more than their washer and drier as if it's just some little novelty she found being sold by a sidewalk vendor that she thought looked cute and decided to snap up for the hell of it. My very first question would be either "how much did this cost?" or "how long is the contract extension?" or at the very least "what the hell was wrong with that phone you spent a thousand bucks on six months ago?"
Especially in this economy, it's so damn off-putting to see people so casual about buying something that costs more than my rent, especially since we hear nothing about its actual value beyond that it glows if you push a button. My coffee maker does that too, and it didn't cost an arm and a leg, and I won't be tempted to replace it next year. Who the hell are these people and why are they so out of touch with the real world?
Those of us who are pedestrians in the Takoma area have only one real question: Will the massive headache caused by the snail's-pace "progress" building this thing be worth constantly having to cross streets to account for sidewalk closures and go around intersections shut down for heavy equipment as this project enters it's eighth year? But as one of those pedestrians I have another question: Will I ever actually see this thing in operation? Anyone who has ever followed a Metro project knows that the only thing more certain than the cost being far more than projected is the completion date being as arbitrary as those "Next Train Arriving At...." signs at the stations. I don't know if I am going to be in the area in 2027, but even if I am I'd bet serious money that date comes and goes and the system isn't up and running Because Something Something COVID Something Something Unforeseen Budget Issues. Meanwhile the dirt keeps flying and the crews keep standing around and the streets keep getting carved up so that sometime, maybe in the 2030s, things move a bit more smoothly around here. Someone send me a postcard.
