It may be a reality of the actions, but a lot of this sentiment is rooted in capitalism’s aims of “income = morality”. It ends up being classist often punching downwards to folks who utilize “buy now pay later” services. They operate on the idea of preying on people who aren’t paid their due for the work that they do, and are trying to be able to afford some nice things.

Possible OP isn’t low income and just utilizing it anyway, but it’s a bad sentiment to lever at anyone. Blame the shitty practices and systems designed around fucking over people, not the people who get screwed by the systems designed to do so.