I very much doubt I am in the minority by not using Zip or Afterpay.

Their stock values, like most startups, have nothing to do with their revenue. Afterpay had revenues of $250m last financial year, profit undisclosed. Commbank had $26 billion, a hundred times more.

Afterpay had 4.6 million users, from a potential market of 8 billion. Hardly a majority.

If I was in your position, I would have saved the money over 8 weeks, then been able to pay upfront, and had a bigger potential pool of suppliers to choose from.

In June 2019, Afterpay disclosed that it was under probe by AUSTRAC for potential breaches of the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF regulations).