Don't know where you get your rose coloured glasses from mate but you should have gone to Specsavers.
Unemployment is ten times higher than GFC
We are on the cusp of a trillion dollar housing crash in USA alone.
But in your world all these jobless and homeless people are going to buy stuff they don't really need on BNPL
Look at NAB announcement this morning and consider they provide Afterpays warehouse facility, do you think they might be recondidering all lending exposed to consumer facing credit risk.
https://www.google.com.au/amp/s/7ne...ings-fall-by-51-per-cent-c-1000406.amp?espv=1
