Debt doesn’t always start with someone wanting to borrow money. Sometimes it starts with wanting something and being shown a monthly payment that feels affordable. The real cost can disappear behind the payment. Learn more inside.


Debt doesn’t always start with someone wanting to borrow money. Sometimes it starts with wanting something and being shown a monthly payment that feels affordable. The real cost can disappear behind the payment. Learn more inside.

Streaming was supposed to make entertainment simpler: one reasonable subscription, on-demand access, and no commercial interruptions. Instead, content became fragmented across multiple services, advertisements returned, and customers began paying extra to remove them. This essay explores what happened to the promise of streaming—and what it teaches us about optimizing individual business metrics while losing sight of the customer and the system as a whole. Learn more inside.

Companies pay YouTube to show us ads. We pay YouTube so they don’t show us ads. It sounds like a joke, but it’s actually the greatest tech trick of our generation: monetizing the problem, and then charging a monthly fee for the exit door. Learn more inside.