"The government agreed to regulate BNPL lenders after an independent review chaired by City expert Christopher Woolard, published in February, warned that the sector represented a “significant potential consumer harm”."
https://www.theguardian.com/money/2021/nov/23/stella-creasy-...
The benefit to the vendor is that it increases sales / conversion rate & hence worth paying for.
If there was a flat limit on the total you could end up paying, maybe… but there isn’t.
Giving cheap loans to people who can’t pay them isn’t “just fine”, it’s predatory behaviour.
…but anyway, regardless of either of our opinions, it increasingly looks like it’s going to be legally regulated, so, the point is it’s a risky play for Microsoft.