News: Z1P Australia's central bank tells Buy Now Pay Later firms to drop surcharge ban, page-36

First of all you left out the most important piece of information, credit card interest rates. Credit card interest rates was one of the core reason bnpl was born!

"BNPLs aren't helping people with their debt or management of debt, just another way people can be irresponsible with their money" --- No sh1t Sherlock , BNPL as the name suggest to buy now and pay it later, that's it, nothing more nothing less without the interests.

Why the fk do you expect bnpl to help people with debt, its not a self wealth management scheme (YET)

Move along