Most products like that don't actually work. Payday loans are available to everyone, but people typically don't use them to buy luxury goods. The people who tak

Most products like that don't actually work. Payday loans are available to everyone, but people typically don't use them to buy luxury goods. The people who take them out use them to avoid things that are long-term worse, like eviction or losing your job because you couldn't pay to get to work. The products in that category you see succeeding are survivorship bias, like cigarettes. Which only works because it builds a physical dependency. But maybe the algorithm is like nicotine and it's hard to break the habit. We can still win, because we can offer the same algorithm, because we can offer more than one. So you switch because you aspire to quit. You want the option. And you don't have to quit today, you can switch and keep the addictive one. But then you have a choice. You can turn it off when you're feeling strong. Wean yourself. Time lock the bad one in your client. Which eventually makes it easier to quit smoking altogether.