disagree with you there. Most people are terrible with money and even people good with money but struggling with cost of living bnpl is going to stay popular with them. Unless you can think of an alternative? As for increasing the monthly fee i think people are too addicted to bnpl that most wouldn’t care because they still need to use to buy things/services. It’s human nature to want things now. Bnpl caters to that need. As for merchant fees going up it’s the same thing if a company doesn’t offer zip and customer will only shop at places with zip then the merchant misses out.
very quiet, page-36
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