RBA announcement is nonsense, page-32

Don't have a moral issue, I really couldn't care less how people spend their money or the bank's money or APT's money for that matter, as long as they spend a fair portion in the business that I work in.

The point is though, some posters are trying to tell us that Afterpay are the good guys unlike the terrible banks, and that their product isn't credit. Afterpay aren't some kind of community service to help the unfortunate , they are a business set up to make money. Afterpay's sole purpose is to make money for the company and shareholders.