You have a valid point, the reason why it will be difficult to get rid of online debts is that they do not require collateral and can be obtained in just a matter of hours, they do not require any verification other than personal identity, and after that you will be free to take loans even at unreasonable values because they exceed the ability of the borrower to pay the installments and also the large interest will make it more difficult for the borrower to pay the installments later.
Actually, what is also quite dangerous is that it can be used to buy goods on the marketplace so the more you open the marketplace application, the more you use the pay later feature.
Unfortunately, the advertisements that continue to be spread by these online loan applications with taglines that contain false information so that more and more people are involved in loans like that, they should make loans taking into account the ability to pay installments and interest that must be paid otherwise we will only work to pay off these stupid debts