IMHO I think one problem is ecommerce in general creating more convenient ways for us to spend money, first by optimizing our purchases on the web (Amazon 1-Click), bringing this optimizations back to brick & mortar (Amazon Go) and who knows what else.

But is increasing the quantity and frequency of consumer spending really necessary? These tactics may help businesses meet their end-of-quarter goals but along the way more people are drowning in debt and shit they don’t need.