I seen an ad in my feed on Facebook where you could finance a toothbrush. Like the company was offering their own loan. However I think putting a toothbrush on a credit card you already use and pay off would be normal since more people are cashless, but a separate loan just for a toothbrush sounded insane to me. But maybe that's the future...
Oh man. I didn't even think about it, but I think you hit the nail on the head with this one. Between more and more online retailers offering "Affirm" monthly payments for everyday items and true ownership of goods being less common with subscription services, your rediction is a natural and scary evolution for everyday purchases.