Cannot say I agree with you prosperity. I'm no upramper/pumper,...

Cannot say I agree with you prosperity. I'm no upramper/pumper, but the US has a population of in excess 330 million. There is in excess of 5 million who are 'unbanked' (ie: don't have a bank account) which suggests to me that there is a vast multiple of that number which doesn't have access to any form of financial services - whether it be deposit or lending. Apple has marginally less than half market share in terms of phone sale coverage and there will be a large portion excluded from their BNPL customer base for a broad variety of reasons. It's a huge addressable market and I don't think that the presence of Apple in it is any different to having McDonalds in fast food - there's room for other operators. Lastly, I don't think that Sezzle's business model is centred upon blanket market coverage, nor is it likely to benefit from it. They just have to stick to making it profitable.