Pay off the money and goods: pay in one hand and deliver in the other. After the transaction is completed, the ownership and use right of the goods belong to the buyer himself (suitable for the crowd: everyone).

Loan consumption: ahead of consumption (suitable for people: young people with stable income, optimistic about future income and no savings).

Rental consumption: through short-term lease, the right to use goods within a certain period of time without changing the ownership of goods (suitable for people: people who can't afford it or don't want to buy it because of limited use).