The bloke asked an innocent and inocuous question about the coming regulation surrounding BNPL. Could have been an opportunity for an uplifiting explanation about how the community here believes that Splitit is immune and that it presents an opportunity for Splitit to differentiate itself from the forlorn industry of BNPL, which as a stand alone product or service is clearly on borrowed time. Instead, he was a troll, a down ramper, a new account, but then possibly just ignorant and not malicious (a very kind concession). It struck me as a tailor made example of the description provided by the glossary of Hot Copper terminology
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