You are going to go nuts (if you haven't yet) the way you are going on about a stock that you don't own !!
If, for argument sake, we accept that all what you are saying is correct i.e. Apt is the worst of BNPL and Zip is the best (btw I own Zip stock as well) - then there is some thing not stacking up between these two, the most important thing, the Share Price !!
Why does afterpay not allow you to shop anywhere?, page-39
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