#bnpl turns every consumer in to a politician
With #cibil score as their nomination and
Cumulative order total as their manifesto
Every Indian need have a sought after individual (reserve) banking , tax and purchase policy , irrespective of their purchasing power
The problem is that Indians overinvest in assets and chose to remain cash poor , till they can't manage their assets anymore and #rent everything they own to the people with new money
So the Indian consumer economy as we know , is driven by new money and that turns India into a service economy and consumer market
That's why we lag in research, manufacturing , social mobility , gender and cast egalitarianism and so on
Then again we have this weird harmony , out of whatsoever hook or crook , despite such a diversity and intense identity politics , we remain on nation of 100s of years , while losing strategically significant , but politically or quantitatively insignificant fraction of our border areas.
That's another problem where strategic interests remain misaligned with the political and social ones
Why are we not as curious about north east or j&k , as we re about new Delhi?