Both products when used “as intended” are free. Afterpay customers end up paying less than $10 per annum or approximately 2 cappuccinos instead of zero, credit card customers pay 40 times that amount instead of zero. Credit cards are predatory and ensnare many unwitting victims in an inescapable debt trap. It is impossible for this to happen with Aftepay.
That your never ending negativity toward Afterpay prevents you from acknowledging something that is so plainly obvious is a sad indictment on your supposed “objectivity”.
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Objective Analysis: Psychology of using BNPL, page-44
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