36% of BNPL users missed a payment, 57% spent above their means, page-39

Hello, I did put a link but here it is again: https://www.meetbreeze.com/blog/buy-now-pay-later-personal-finance-study/

Retraced my listening history and here is the podcast: https://podcasts.apple.com/ca/podcast/save-now-pay-later-the-gofundme-of-retail-shopping/id1480295967?i=1000548530450

I sincerely wish all Z1P holders best of luck, if they have a better process to manage bad debts and credit checks then that's great. That would turn me into a "hold". But what about Sezzle? From what I understand it doesn't do credit checks for its lower-end lending? How does that work if they merge? I'd still be very worried about the amount of competition in this space and how these companies manage bad debts if the economy sours.

Again GL! (Changing sentiment to "None" as there have been lots of good points made by people here).