The idea is to continue to build customers each year and throw out the deadbets. Eventually after adding so many customers over the years, many of them will be responsible people who manage their money and pay their debts. You act like everyone is defaulting
BNPL is in startup faze so we are still weening out the deadbeats in these early years. Eventually there will be tens of millions of good reliable customers and the money you make from them will dwarf any new deadbeats you add in future years.
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