Security. The more popular a piece of software gets (including operating systems), it becomes a bigger attack surface for malicious actors to use.
Fundamentally, Windows security is not really that much of a swiss cheese people usually say it is. It’s just that more people (researchers and malicious actors alike) are actively looking for vulnerabilities in it.
In 2023 they got a 1.1 million SEK fine for breaking the law that regulates working hours. To “allow” (strongly encourage) your employees to work nightshifts you need a collective agreement approved by the union, which they didn’t have.
More recently, they got a 500 million SEK fine for skirting the anti-money laundering regulations in Sweden.
The whole “buy now, pay later” deal is a credit loan. They are most likely paying the merchant directly and using your loan as collateral to speculate on the market, until you pay them back for that loan. If that’s true, they are making profit on the interest gained from your loan.
Correct. Like all credit banks they promote the “buy now, pay later” option before direct payment, which is becoming a pandemic on our society. Hardly any user interaction needed. They also offer their own payment plans which encourages buying even more expensive items you cannot afford.