If you have the $10 for lunch, you can either pay in cash, or put it into your buy now pay later slush fund and pay on time. There's no fiscal risk, only behavioral risk.
Ally Bank currently offers 4% apy interest on a Money Market Savings, maybe you can find similar from a better bank. 4% apy over the term isn't much, but it's certainly fiscally better than paying cash today.
Ally Bank currently offers 4% apy interest on a Money Market Savings, maybe you can find similar from a better bank. 4% apy over the term isn't much, but it's certainly fiscally better than paying cash today.