BOOM - Heading to 90 Cents, page-93

BNPL is a way to throw away money. Why not build a business that ONLY makes money? They have made a wise decision to stop throwing away their money AND wasting money on advertising to attract people so they can throw more money away. !!!!

BNPL is a crazy idea. These schemes are set up by guru's with other peoples money, who get paid for setting them up - after convincing gullible people it is a good idea. These genius's are behind all the failures of the past 25 years. They don't care how stupid an idea is, if they can sell it to people and charge them big fees (nothing to do with the results) to set things up - they are all in. Fools listen to people with reputations and keep nodding their heads even though the emperor has no clothes.