That's a good point, and @DanMachine also makes a good case that...

That's a good point, and @DanMachine also makes a good case that Afterpay pivoting to a "responsible" BNPL player which does credit checks will reduce available credit offered to a number of customers, which is one of the reasons why Afterpay is so successful. Though, it's not an either-or situation - both can be relatively successful in this space, and even if Douugh is second best as a result of having less financial muscle compared to Afterpay, it will still be a multi-billion dollar company by then. If anything, this validates the mission of Douugh and will bring more attention to this space which will only be better for us.

And regarding your point about which option sounds better, I always believe that a company which is laser-focused on what they set out to do (in this case financial wellness) will always punch above its weight compared to a much larger company which decides to pivot into financial wellness.