I didn't think you were arguing that, no worries m8.

I was just trying to throw in some relevant numbers to attempt a more realistic estimate of the situation.

I agree with you that the 60% figure for BNPL is not actually evidenced, and is likely an exageration, so I tried to do the author's work better than they did and come up with a more defensible figure.

I used to be a copy editor for a while, and oh man, yeah, it absolutely annoys me to no end when a person tries to argue in a direction I generally agree with, but they do so sloppily, with bad citations, logical leaps, lack of approoriate levels of knowledge leading to them making inferences and deductions that do not actually follow.