BNPL was only good until Banks & other financial institutions...

BNPL was only good until Banks & other financial institutions started offering the same service. APT was fortunate to exit early after sold out to Square. I wonder, what would have happened if APT had to survive on its own in the current scenario like other BNPL companies. It's disheartening to see investors losing most of their money. In current situation, stocks even look bad comparing start of the pandemic. Millions of new trading accounts were opened within first six months since start of Pandemic all around the world. Most of the people know nothing about investing in the stock market and invested hard earned money for quick gains and stock market turned Casinos. Lot of IPOs launched during pandemic skyrocketed. Only companies and promoters made money and most of the retail investors have lost money. Only invest the money if you can afford to lose. Risk is high as 90% people lose money in the stock market.