This is a very weak part of your argument. You say afterpay...

This is a very weak part of your argument.

You say afterpay should be credit regulated as they provide credit to other businesses products or services.

But power companies, restaurants etc shouldn’t have to be credit regulated because they provide credit to their own product or service.

credit

/ˈkrɛdɪt/

noun

1. the ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future.

I think the amounts come in to play, hence in NZ afterpay excluded from credit regulation. We will see how it plays out here.