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A firm or any right now pay later has to have a better model to compete against credit cards, which are ubiquitous. But all this says to me is that they're piling more debt on top of households. It could be better debt, but it's still debt back to point one. Are you still seriously using a business phone or even worse? Are you using your personal self loan for work? It's insane. You got to give yourself the power of a software driven phone.