More and more young consumers are using buy now, pay later to split purchases into four payments instead of using credit cards. Estimate how much revenue BNPL takes away from the US credit card industry each year. Is that a big number, and should we be worried?

现在越来越多年轻人用先买后付分四期付款，不用信用卡了。你估一下，先买后付每年从美国信用卡行业拿走了多少收入？这个数大不大，我们该不该担心？