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Specifically, their advertised business model is convincing people who cannot afford to buy things to buy more things than they would otherwise buy. It's preda

• unanswered 5y ago
  Yes, in the same way that credit card companies convince people to buy things they cannot afford, as well as mortgage companies, car financers, etc. Anyone enjoying these services but attacking BNPL is really attacking poor people: "those poors can't handle credit like I can!" And that ultimately comes down to enforcing class norms. "Poors", the thinking goes, "shouldn't be allowed to purchase middle-class things on credit because then what is the middle-class?"