youre a one man team against a multi billion dollar global...

youre a one man team against a multi billion dollar global industry.

do you not think that bnpl will evolve into many different varieties of products as they are already?

fees will become multi faceted of course with differing levels.
why would a consumer use costly credit card vs bnpl? the options are expanding and im sorry to say but the wave is growing. bnpl is still only a baby now.

we can come back here in 5yrs time and youre still preaching your argument while the industry has drastically changed the financial landscape.