I don’t know if we have enough information. I agree with you that BNPL purchases are typically bad for the consumer, but I don’t necessarily think any to call people greedy in a difficult economy. Sometimes, people end up in shitty situations, trying to keep their life together, even when they can’t afford to.

Was the volume items purchased greater than before or are prices just completely out of control? The article doesn’t indicate that it accounts for inflation. Inflation was about 3% and BNLPL was up 4%.

What about the types of items that were purchased? It doesn’t actually say what types of items were used to BNPL transactions so we don’t know if it was household needs or unnecessary consumption.