Significant number of people below the povery level are unbanked and live off cash which is why some jursidictoons ban retailers from not accepting cash. What'

Significant number of people below the povery level are unbanked and live off cash which is why some jursidictoons ban retailers from not accepting cash. What's your opinion on Buy now Pay Later for online retailers? fee is close to 5% but allows customers to pay for items with interest free installments over 90 days.