💯- they don’t give a toss about repo either and the default process is largely automated. The fees AND huge interest rates (after the interest-free period expires) cover that and more. Scale all that up to millions of users who choose this option entirely BECAUSE they don’t have the money and you’ve automatically captured the ideal customers who are more likely to not make/miss a payment. 

 For sure if you can automate the admin, you can reduce a lot of the cost versus traditional debt collection and I guess they have a certain repayment rate they are happy with if a few suckers are paying it back, it can cover some that dont