Four financial experts told Insider the trend is rooted in financial insecurity and stereotypes. One thought it was "Buy Now, Pay Later" in disguise.

Amortization. How I justify a $600 ski pass. If I ski 30 days, it breaks down to just $20 a day. If I average 15 runs each ski day it’s just $1.33 a run. I also end up skiing more often because my pass is already paid for.

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