Mate you'd find the negative in 2+2, most people I know that aren't well off are quite frugal and Afterpay/Zip are treasured assets to them... it provides flexibility and a feeling of security knowing they can get that essential $600 item if times are tough. You just act like people lose their job and go buy $1500 items they can't afford. If you think it's the worst place to invest piss off. Like a blowfly.
Face the music, page-373
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