I think the huge consumer credit debt in the US is way more of a concern than Afterpay or similar companies that don’t even do interest. I get paid weekly and like the idea of splurging every now and again, scheduling it to come out of my account on pay day and don’t even notice the $20. I have horrible credit from an assortment of things (none of them consumer related), and this whole thread just seems disgusted with the idea that poor people are allowed to treat themselves responsibly to small luxury items.
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