To say most 18-30 year olds are un/low-skilled jobs is a pretty big generalization. 16-20 year old's yeah sure 20-24/25 not so much and over 25 the majority have moved up to management positions in fast-food/retail or completed uni degrees/apprenticeships and gone to 'skilled' jobs as a completely anecdotal view of a 27 year old former fast-food manager now 'skilled' IT professional.
The thing is afterpay payments are pretty easy for anyone to afford, even at the top end of $1,000 that's a little over $100 a week I'd more concerned about a 40 year old with an over extended mortgage and kids being able to afford that then the younger generation.
The defaulting is a somewhat valid concern but it's not cash, and you can't afterpay grog/smokes to the best of my knowledge? So risks are mitigated compared to credit type facilities - Plus there is no interest to drown customers compared to payday type lending.
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