I'm not disagreeing with you on credit cards but my point is really simple. As far as I can tell Z1P does not have a better bad debt charge performance to BNPL peers (perhaps with the exception of FXL which has a large portfolio of higher credit risk products similar to ZipMoney).
I feel like you're trying to overthink/overcomplicate this very simple point by randomly talking about credit cards and revenue per customer. I'm already a Z1P holder, you don't have to use smoke and mirror tactics to steer away from my point on bad debt performance compared to BNPL peers...
Reiterating 10$- Nov 2020, page-83
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