This is a real issue coming to the surface in the US.
https://www.skadden.com/insights/publications/2024/06/cfpb-applies-credit-card-rules#:~:text=For%20example%2C%20a%20bill%20introduced,lenders%20to%20make%20%E2%80%9Ca%20reasonable
This explains why Apple is scrapping Apple Pay Later.
https://finance.yahoo.com/video/apple-dumps-apple-pay-later-160722257.html
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