If this after whatever it is comes in next year, those of us who sell won't need to worry. We get the money straight away from the finance company. It's up to the buyers to make the necessary payments. If they don't, it's them that find themselves up to their eyeballs in debt. I'd imagine like most loan shark companies, pay your bill and you're OK, but miss a payment and you will need to sell one of your livers to get out of debt.
I really don't care if eBay bring it in or not, because I will still get paid at the time. If buyers wish to use it, that's their problem. I don't care whether they miss payments and then have to sell their house to get out of debt. They should have thought of that before making the purchase.
As for me using it as a buyer, not in a million years. If I can't afford to buy something, I either save up for it, or I go without. Nothing is that important to go into hock over. Of course, that doesn't mean houses or cars. Of course you need finance for those. I'm talking about every day stuff. I recently saw someone after zip pay thingy a $25 tie. If you can't afford a $25 tie, then you really shouldn't be taking out finance to pay for it.
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