When prime-consumers are splitting their point of sale purchases...

When prime-consumers are splitting their point of sale purchases into instalments we are in a global depression. Sure, there may be a few here and there because they are in different circumstances but not enough to build a big business with high share prices.

There's still no logical reason on why someone would elect to put their entire purchase amount hold? You might as well use a BNPL or an interest free 2 year offer from a major retailer card like synchrony. I'm sorry mate, it's not going to work out.