BNPL is okay for those who don't have a source of income. In my country we have something called Lazypay which I had used quite a bit during college when pocket

BNPL is okay for those who don't have a source of income. In my country we have something called Lazypay which I had used quite a bit during college when pocket money was a bit tough to come by. I still use it (sort of) to get discounts on instant delivery apps (if there are any ). So by existing it does offer some value, though whether it is long term sustainable to dole out small cash loans to people without credit scores (like i was in college) is a good idea or not, that I cannot comment.