No, not really. I don't use it either. They do have late fees but even those are quite low and stop increasing once you hit a cap.

Very sad to see this. I seriously expected Afterpay to become Australia's first $1t tech company.

Uh a payments company having Apple level value??

Apple has a vastly bigger market cap than $1t.

Is Afterpay a tech company in a way that any other bank, or Qantas, isn't a tech company?

Trademark issues in Europe

Given that:

- their late fees are capped - there is zero interest charge - they have a policy of never taking legal action to pursue payment - non-payments don't affect your credit rating

On what is your argument based? There is literally nothing in common.

> they have a policy of never taking legal action to pursue payment - non-payments don't affect your credit rating

Wait a minute, what incentive do we have to ever pay them back?

This is very interesting and I'd like to share info about this with my wife, as we're approaching this challenge right now.

Do you have any articles or references that you'd personally recommend, in order to learn more?

Do yourself a big favor and read the book "Why Don't Students Like School?" by Prof. Daniel T. Willingham. He's a prof of psych at the University of Virginia specializing in the application of cog sci and neuro sci to K-12 education.

I don't know who chose the title, but it doesn't describe the book, which is really a collection of articles about the results of experiments comparing various learning & teaching techniques. Only one chapter is about why children, who like learning some things, don't like school.

Willingham publishes in academic journals and in journals for educators, so you can find other writings online. He tries to persuade teachers that so much of what the elite grad schools of education teach is intellectual fashion out of touch with actual cog sci findings, but all he cares about are the science experiments.

Huge upvotes for this. The book isn't just about learning, it's about how our minds really work - as opposed to how we think they work.

It's as useful for insights into practical intelligence as it is for theory-of-teaching.