

I think the bigger subsidy comes from the seller as they’d rather lose 3% and score a sale than not.


I think the bigger subsidy comes from the seller as they’d rather lose 3% and score a sale than not.


I’m not sure but Ikea’s BNPL here has 0 fees.


Just don’t miss payments then. They make money from sales cut not from fees. E.g. Amazon will take 6% loss to get a sale giving Klarna 3% and losing 3% to inflation.
Looking at Klarna for example it’s 5$ late fee and then it gets reported to relevant authorities (credit, collections etc.) and they just block you.
It’s not that tricky like payday loans or similar. The issue at hand is really just people buying more than they can afford because they are not charged instantly.


Except many BNPL options are 0% interest rate. I just renovated an apartment with ikea stuff and they offered me 0% interest rate over 1 year - it makes no sense to not take this offer.
Many companies would gladly lose 4% (avg inflation) to guarantee a sale especially when dipping on loans are basically impossible today for the average consumer.


Key detail missing here - what is the interest rate on avg? I buy a bunch of stuff at BNPL because with 0% interest over 1 year it’s essentially at least 2-4% cheaper due to inflation.


It’s absolutely possible to remain just and free while being secure. Skill issue.
Maybe read it again?


Or you can be smart and just and have your cake and eat it too. See dozens of countries that prosper without sacrificing their freedoms and justice. You guys are just doomer losers simping for dictators because your minds are too small to imagine a real victory.


Not even going to reply to your strawman. I said that it’s weak mentality to say “ends justify the means and sacrifice justice and freedom for the sake of fighting a foreign oppressor” - maybe that’s easier to understand? Weak people, weak minds, skill issue.


What a loser-ass mentality. It’s absolutely possible to remain just and free while being secure. Skill issue.
So they ruin their own product for what? For traffic to their billionaire buddy?
Highly doubt that
but IMDB is owned by direct Microsoft competitor - Amazon.
but in this example clearly Wikipedia and probably IMDB are not paying them right? Or is it their attempt to disguise selling out by always preferring the buyable option even when it’s at 0$?
As a software dev I wonder how does this even happen?
It’s incredible how incompetent Microsoft is.


So AI controlled photoshop is ok?
I think the standard is set on wrong metric. Slop is slop and it doesnt matter how ot was brewed be it asset steal or lazy ai


False equivalence - not even going to entertain you with a reply, it’s absolutely pointless bye.


Yes, a consumer criticizing a process they don’t understand invalidates their criticism.
At the end of the day I don’t have much trust in a consumer being a good custodian of market ethics in general, especially in gaming where AI use is really at the bottom of the list of ethical issues. To me this seems like a pop culture fixation rather than a rational decision making.


US will never live this period down. These dudes are such losers that it’s a historical event in it’s own right.


You’re building a strawman as thats not what I said. Consumers fundamentally don’t understand the process, period.
I make casual games and most of the time you are looking for inspiration by copying stuff - this is a fundamental part of the creative process. But americans are brainwashed by copyright and IP law propaganda into thinking that copying and tool assistance is somehow “impure”.
The public sentiment will grow up and shift and I’m willing to take a long term bet here of real money to prove my point. I’ve been a creative since the 90s and seen this same story a dozen times at least.
I spray my garden with couple of cigarettes worth of tobacco water once in a while - works great as a natural insecticide!
I also used to live next to a tobacco plantation in Thailand once and the plant itself is quite incredible - basically untouchable by disease or insects so completly hands free and the fields are really cozy.