UBS Sell and $17 target!, page-1526

He is worth 100 times what you are and has that much more credibility.
If you imagine that he bother making the video without doing his homework, you'd be wrong.
Stand back and think about the logic of his arguments.
People resorting to debit cards don't need credit cards or BNPL - they have money in their accounts.
BNPL users are living on debt.
your argument has a big logical hole in it.
get out before it really tanks!
DDD