As someone that never goes in debt and would never use Affirm, I still realize these types of services will impact me. Just like with high cashback credit card

As someone that never goes in debt and would never use Affirm, I still realize these types of services will impact me. Just like with high cashback credit cards, they have large merchant comissions, that in the end have to be covered from the other customers to show only a single price. I end up subsidizing other customers by a tiny amount, and just wish for regulation to stop this micro-theft.