Could you elaborate on inflationary pressure? My thought is that...

Could you elaborate on inflationary pressure? My thought is that bad debt increases due to COVID-induced instability/unemployment but once vaccine comes out, would that not decrease?
My understanding is that even if the vaccine comes out, it would be a petered recovery to a pre-covid world, this would give the BNPL plenty of time to adjust to the upcoming changes. (Bankrupt would be unlikely, but might not see new heights for awhile)

Overseas travel does encourage retail does it not (maybe not locally)? Since people travelling are more than likely to spend more than being holed up at home.
I know that travelling isn't popular right now so there are no immediate reason for partnering up but wouldn't partnerships with say Qantas for BNPL option turn this gloom scenario into an extra revenue stream instead? (ZipMoney might benefit from this with their higher limit cap since international travel is quite expensive)