We've never done so much online shopping or had access to such low mortgage rates while others have lost jobs for the first time in their lives and are now receiving government benefits.So how are people paying the bills and what happens when they can't.Plus, the push to protect vulnerable consumers from getting too many Buy Now, Pay Later accounts.Deb Shroot, a Financial Counsellor at the National Debt Helpline and Sally Tindall, RateCity Research Director, join Gillian to explain.If you're experiencing mortgage stress, seek support now - call 1800 007 007 or visit http://ndh.org.au for free financial counselling.See omnystudio.com/listener for privacy information.