sidebits

This is just wrong. BNPL is not their only product, and their profit comes from transaction fees paid by merchants.

BNPL is not their only feature, merely the most advertised one. They also provide e.g. instant payments, like PayPal.

I think this is a good point why it would be good if we, as an industry, accommodate these emotions rather than force them away or pretend they don't occur.

At the same time, it doesn't have to mean that one cannot improve things independently. We can't change personality, but we can change beliefs, which also affects what we feel.

Consider this: I used to feel really bad about having my pull requests getting reviewed, because other programmers would leave insensitive comments full of criticism. At one point, I just realized that they are not motivated by shaming me, but that they just care about the codebase's quality (and are not very good at conveying emotions in written comments). This change in perception literally changed how I feel about it.

I edited this sentence to make it clear that I mean only it in the programming context. I believe that we could use positive or neutral emotions instead of negative ones, at least in most cases. Curiousness instead of inadequacy as the drive for learning; humbleness instead of shame; desire to make something great on time instead of anxiety. Of course, the more difficult question is how to do that.

I agree with you that my categorization is questionable, and subjective. The comments here make it clear to me that different people process things differently, and even give different names to similar feelings.

This has changed many years ago.

yes

The difference here is that Nubank attributes part of their success to the use of Clojure.