Yeah also that, but I unfortunately think the majority of people get in over their head with it which is where it fucks a lot of people.
I’ve used it before as well with no issue, but can definitely see the pitfalls of it and I think the fact that you can use Klarna on Deliveroo now is a slippery slope into financial ruin for a lot of people.
I know they have rules in place around sentences and when people can be released but how can that repeat offending nonce Gary glitter be out after 8 years ffs? 16 wasn’t enough in the first place.
I think both are an issue. I’m all for good behaviour and people who genuinely deserve a chance to reintegrate to society but there are some cases where you must also look at the specifics and think nah this guy shouldn’t be on the streets.
I don’t know enough but there shouldn’t be automatic rules in place (which I think there are in the UK), it should be case by case - at least with certain crimes.