Owen Rascovitch
speaker
2,532 appearances
9 recordings
1 series
first heard Mar 2019
last heard Feb 2020
Owen Rascovitch’s voice in public audio — every appearance, attributed to the second.
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Appearances
It was not used appropriately, obviously, but it was just to show that it could be used inappropriately.
Yeah, that's it.
Yeah, they have.
They have.
So the affordability checks, when you're part of the national credit code or when you're regulated properly, you have to do a certain number of checks.
There's checks and balances effectively you have to go through before you can lend money out.
And so by not being regulated under this piece of legislation, they can effectively just fly straight through.
Another thing that I've come across recently is that it's been easier for people to hide these payments from their partner.
So I've heard of instances or come across instances where partners, one partner in the relationship is using an afterpay account to buy things that they shouldn't be.
So that's not a very good thing.
And I've got another piece of wisdom here, which is that high levels of conflict is highly correlated to people that are highly indebted.
So couples that have a lot of debt tend to have much higher levels of marital stress and all the other things that come with that.
So that's not a good thing.
And here's the thing for society.
Everyone pays more.
We haven't seen any crystal clear studies on this, but if Afterpay is charging the merchant, the merchant who's the retailer, I should just say retailer, why am I saying merchant, will actually up the prices a bit to make sure that they can cover that cost.
And so you going in store, you might actually end up paying more.
Yeah, exactly.
Maybe if you pay cash, you get an even better price.
Yeah, okay.
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