#BnplGoingToZero, page-255

this is such a flawed assessment of BNPL

you will find that research shows it’s actually middle income earners ( and not 18 year old lower income earners), who are the largest adopters of BNPL

I earned over 7 figures last year which includes director fees, dividends etc And I could not care what someone thinks of me using it. It is also not a “don’t need it” argument at all.

I use BNPL a lot and any other line of credit I can get my hands on, benefiting off of cheap and free debt and maximising cash flow. My credit cards hardly get used except for business

Why pay interest rates on debt, when you can get better rates of returns on your cash in business, property, term deposits, ETFs, stocks and shares, crypto and so forth

your point is moot