I think HN drastically underestimates how many average folks would actually enjoy having an easy to use interest free payment option. Not everyone lives in the valley and makes 6+ figures. With Christmas right around the corner I'm betting a ton of folks will welcome the option to spread their bills over 6 payments for free.
I don't know about other countries, but at least the UK has a very large website/community dedicated to household financials, bills and so on, called Money Saving Expert. It's more than likely that such services would be mentioned, if your country has a corresponding site.
The business model of companies like this is preying on people that don't pay on time. How are you defending such a scummy practice? It's preying on poor people that don't know better. I've seen family and friends get fucked by these companies.
The "thanks to us, they can now afford Christmas" excuse is what the sociopathic executive of a loan shark company uses to justify its existence.