> You boost spending in the short term but over the long term you cut back on consumer spending. Because of fees you actually end up with less consumer spending

> You boost spending in the short term but over the long term you cut back on consumer spending. Because of fees you actually end up with less consumer spending overall than if you hadn't introduced debt. They are relying on the fact that customers will continue to spend because of the BNPL whereas they wouldn't have spent to buy if BNPL option doesn't exist.