I mean... I don't love Tobi or Shopify, but this is a bit disingenuous.
Yeah, Shopify Pay offers an installment paying option, and yes those suck. But you can be a Shopify merchant without using that feature, and that feature didn't exist for most of the company's lifetime.
It's shitty, yes, but if that feature went away Shopify would still exist and Tobi would still be a billionaire, it's not, like, where the money comes from.