Really feels like a "bait and switch"...
"Hey millenials... credit cards are bad. Banks are bad. Zip & Afterpay are good!" "Your in control of your debt"
..... everyone signs up for zip and afterpay....
**adds credit card function** adds banking function**
Ta-da...... just put every millenial into credit-card debt without them realising
****jacks up the interest rate*****
Google pay, page-70
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