they didnt have credit cards when I was 10....... cash was King!!!! In fact, Cash was the only thing.
Times are a changing all the time and whether we like it or not, cc are on the decline and our younger generations are loving APT & Zip.
Who knows, maybe in time Afterpay will have a product for higher earners who have the ability to pay off 3-5K a month?
cheers
Pete