They're literally bottom feeders.
Because most people don't care as long as they think they are getting what they want. They will complain later when they can't afford to pay the mortgage on their highly overvalued house that they didn't know and they were preyed upon.
From a business point of view however, AfterPay's Eisen and Molnar played this perfectly.
Yes and good luck to them. The business model might be a cesspool, but their timing was impeccable