

We shouldn’t go down without a fight, out plan A must be to prevent dystopia. And you are right that asking "what if"s can encourage a feeling of defeatism by distracting from plan A, however it’s generally not bad to think about a plan B ahead of time.





It’s also paid as a fee by the store, which in turn means every customer (incl those not using BNPL) is indirectly paying for it.