> The items that are being offered for temporary ownership to this cohort are a far cry from the Rent-A-Centers of the world, which target cash-strapped consumers who often lack access to credit. Fernish, for example, is geared toward young people whose design sense comes straight from Instagram, Pinterest and West Elm’s catalog. The company, founded in 2017, trades in imitation Eames shell chairs, midcentury-style wooden dressers and Art Deco-inspired bar carts, offering brands like Crate & Barrel and more boutique names like Campaign.

So they're basically high end rent-a-centers? Apart from the exact products I'm not really seeing what's new, the business model goes back to at least 1930 (https://en.wikipedia.org/wiki/Radio_Rentals) and has all the legitimacy of the payday loan industry.