APT 0.00% $66.47 afterpay limited

Please clarify what "misery" Afterpay inflicts on its...

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    Please clarify what "misery" Afterpay inflicts on its customers?

    If I am a first time customer and I buy a pair of shoes for $200 using Afterpay, I pay $50 at the time of purchase. If I then default on my future payment obligations, I will receive a few texts and maybe a few phone calls asking me to honour the contract I entered into. If I continue to refuse to pay, I will be banned from the service and Afterpay will write off the $150 I owe them. I will not be pursued through the courts and there will be no negative implications for my credit record. I will however have picked up a $200 pair of shoes for $50.

    So I repeat my initial question, what detriment have I suffered?
 
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