The Christmas Club Account: When Americans Actually Waited to Own Things
Before one-click checkout and buy-now-pay-later apps, Americans used layaway — a system that made you save up, wait patiently, and earn what you wanted. It sounds almost quaint now. But the shift from that kind of disciplined patience to today's instant-credit culture changed more than just shopping habits. It rewired how Americans think about owning things in the first place.