

Yeah but it’s pretty nice to be able to take advantage of a promo deal as long as it’s not a sticky long term relationship. Some people in this thread are talking about a reward system of 20% cash back on what you put on BNPL, and 0% interest, as some kind of Paypal promo going on during Black Friday.
If you take the deal as a one time thing, it’s a great deal. They hope that you might get used to using the service next time it’s not such a great deal, but if they don’t have a way to lock you in, then just take the money and run.
See, for example, the glorious year of MoviePass setting its own money on fire. People got great deals on movie tickets, and then the company went bankrupt and didn’t keep their customers.








There might be many methods to get the right answer, and you might not know which ones are easy and which are really difficult (and which are tricky enough to make mistakes more likely) until you try a few different approaches and maybe hit a few dead ends.
What is the sum of every integer from 1 to 99? Well, you can manually apply the arithmetic, adding two numbers at a time, but that’s going to take forever. Better to use a particular method of summing arithmetic sequences and get an easy answer in fewer steps.
Or take this deceptively simple looking problem of trying to integrate x to the x power, where the question asker is messing up their initial approach and the answers show several different concepts that are useful for solving.
With actually difficult problems, the difference between a good approach and a bad one can be the difference between the problem being actually solvable versus not solvable using the resources to have at your disposal (computing power, actual time, etc.).