> Yes let's make it easier for youngsters to get themselves in the hock for that hit of instant gratification. Get 'em on the never-never instead of teaching th

> Yes let's make it easier for youngsters to get themselves in the hock for that hit of instant gratification. Get 'em on the never-never instead of teaching them to save. I think the people that are more likely to save are also the ones less likely to default on loans. Maybe it's just over-simplified thinking, but I think the reason Affirm works wonderfully is because they keep audience in mind. They pull in a ton of data points to assess the risk on investments, and I would love to see the percentage/demographics of people that get loans.