I agree. I think it’s something that needs far more time on at an early age - whether it’s something integrated into a maths curriculum or something as part of a wider “how to survive in a modern world” courses about taxes, finances, bill payments, wills and death planning etc - all of which are likely massively outside the scope of this post.
I just don’t like the idea of death by a thousand paper cuts - or rather a thousand direct debit entries for Klarna, Very, PayPal Credit, Littlewoods, House of FraserCard, etc. I’d lose track of them too easily.
That said, the last two purchases I took out on finance was an Xbox Series S as it came with two years of Game Pass for a quid more expensive than buying them outright over the same term - and a phone from Very which offered a 20% discount if you ordered it as a new Buy Now Pay Later customer… and the balance was paid a month later.