APT Margin Transaction Losses, page-36

Sorry, but they don't work in the way old out dated people do.
They don't have credit cards, they use debit visa cards, as it is their money.

They use, their own money, and yes they use Afterpay for budgetary purposes.

You are looking silly by repeating what I am saying and trying to put your influence on it.

Ps: I didn't say they "need" Afterpay, you did!
Just like you don't "need" a credit card.

They choose Afterpay for budgetary reasons.

I thought you would have understood the first time I wrote it.

I feel for you, seeing I am repeating it for you.