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Re:Frank Abagnale: “Catch Me If You Can” – Talks at Google [... by dragonwriter on Tuesday November 28, 2017 @04:37AM (#15795720)
A delayed bill is a debt, so it's impossible for something to be more like a delayed bill than debt.

They are also often the best method consumers have to borrow money for many purposes.

Re:Frank Abagnale: “Catch Me If You Can” – Talks at Google [... by barrkel on Wednesday November 29, 2017 @10:20PM (#15813202)
A debt has interest; a delayed bill doesn't. An interest-free loan is literally free money (the difference between net present value of future repayments and current value, which will be higher); I always take 0% finance if it's on offer.

(The only exception would be in a deflationary environment.)