I'll quote my comment elsewhere:

"BNPL providers are held to far higher standards than Credit Card, Personal Loan, or Payday Loan companies. I'm not sure I understand the HN addiction to attacking them.

Unlike all the examples above, Afterpay doesn't charge interest, has capped late payment fees, and has a very low debt ceiling. It's the perfect way for younger people to learn how to manage debt."

I should have mentioned that their late payment fees are (very) low.

If you want to get rid of BNPL, you'd have to get rid of literally all forms of debt - BNPL is far and away the most consumer-friendly form of debt that I know of.