from what i read about this, it basically seems like they’re losing too much money because apple designed the UI too well; it’s too obvious when payments are due and how to best avoid interest for the end user - there are too many nice clear graphs and visual aids versus scary inscrutable banking words
capitalism fucking rules man
Of course, benevolent Apple doesn’t care about money, they just want to help people! Meanwhile they mark up cables to several times what they’re worth, solder parts to their motherboards as they fight against Right To Repair, lock people into their ecosystem, and are sitting on $167 billion USD…
If they sell a product that saves people money then they are not benevolent they’re profiting off the loss of profits of their partner.
It’s not that they’re great people it’s that they designed the product so people would use it and associate themselves with their ecosystem while the banks designed the product to make interaction cumbersome. They both had profit in mind but they have different methods because they don’t serve the same function.