I think this is why US way of business is unique in terms of business and goes beyond Europe or Germany specifically. US (as a multicultural platform) pushes toward the acquisition of the good, BNPL (Buy Now Pay Later) approach. It should be fast and will be faster. There is a lot of criticism about credit debt but US offers a lot of credit, the problem is more about how education and health were inflated that to credit itself. (IMHO).