[poincaredisk]

Only if we assume that the existence of BNPL won't change consumer habits.

I think food is easy to buy impulsively ("I'm hangover and hungry - let's order some pizza delivery"), and removing barriers like "I don't have money right now" may cause - hypothetically - some people to spend more on food delivery and (by necessity) less on other things. I'm not sure how sound this model is, but I think it can't be ruled out.

Needles to say, I'm not sure if such change would be a good thing.