if that is your answer then clearly you do not know what you are talking about.
By your logic then Boxing Day sale, Black Friday, Cyber Monday are all a wank too?
I agree Afterpay and the consumer are winners in the transaction but you are discounting the benefit to the merchant through additional customers, increased order size, data analytics back from Afterpay back to Merchants post sales event.
Feel free to listen to the last analyst call if you'd like to educate yourself.
All the best
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