> You can’t have a pay-later business without an amount of non-payment, which has to be compensated by higher prices (which other customers shoulder). The busi

> You can’t have a pay-later business without an amount of non-payment, which has to be compensated by higher prices (which other customers shoulder). The business can just make less money than they would if everyone paid (which is, as you say, impossible). Costs and prices are linked in some markets, but it's not a natural law.