Afterpay vs eBay - some perspective, page-12

i don't like Afterpay because they charge the highest late fees and merchant fees in the business and I don't like the reports from employees who work there written on Glasdoor that talks about how management treats their staff.
i don't like Afterpay as a former customer because they only allowed me to shop from the merchants they had signed up. I wanted to be able.to buy anything using bnpl. Any merchant and couldn't. It's a more restrictive suffocating product in comparison to others on the mkt that give me more freedom and more choice to allow me to buy what I want and pay it back how I want.