A Boring Dystopia

This will be my last response to you, you clearly didn't even read the articles I linked. Who BNPL targets is directly related to the part of your original comment I replied to and the conventional wisdom of not spending money you don't have. Here's the relevant information from the article:

Credit score gives an indication of how disciplined a borrower has been in repaying his/her loans. Most traditional lenders like banks and non-banking finance companies (NBFCs) rely on credit score data before approving a conventional loan or credit line to a borrower. However, New-To-Credit (NTC) are those prospective borrowers who have never taken a loan, or any other credit line, hence, do not have any credit history that a lender can assess. So, for such borrowers the propensity to avail a credit option like BNPL remains higher and this is the reason they are the focus segment of BNPL lenders.

Most of these are either young consumers or people who do not have any formal credit line like credit cards or EMI cards for making payments. This is the reason why this group is most vulnerable to adverse impact of default on any new credit because of being unfamiliar with credit and the consequences of default. So, if you belong to this group you need to make sure you do not default on the payments if you opt for a BNPL scheme to make a purchase. Repayment of BNPL is tracked and reported to the credit bureau

BNPL offers short term credit through credit free period ranging from 15 days to 45 days after which the borrowers are required to pay the entire due amount. If you think that it's a small credit and hence any default will not have any consequences, then you are wrong.

Similar to any formal credit like a loan or credit card, the repayment track record of all borrowers using BNPL is reported to the credit bureaus. "BNPL which are offered in partnership with Banks and NBFCs. are reported to credit bureaus and repayment behaviour of the same impacts bureau score," says Anurag Sinha, Cofounder & CEO, OneScore, a credit score management platform. So, any complacency in terms of default may stick to your credit history which would not only bring down your credit score but could raise the cost of future credit steeply and in worst case it may also prevent you from accessing credit in the future.

While many traditional lenders may reject the borrowers who have low credit score, the chances of such borrowers getting credit through BNPL is higher because BNPL players depend on their internal assessment besides the credit score.

"Given the segment we target (lower income and self-employed), these households are often susceptible to disruptions in income that results in poor credit profile. These borrowers are not inherently risky and a lender needs to offer a product that is flexible from a repayment standpoint to ensure it is of maximum relevance. If the product is constructed the right way - these customers find it easy to manage their repayments," says Vishwanathan.

You want to talk about "how you can properly take advantage of said service" but in your example the only way to take advantage is if you already have the money. Spending money in a BNPL scheme when you don't increases your risk exponentially and one missed payment, one default, can follow you on your credit for years. This is why it's both relevant who BNPL is targeted towards and why "not spending money you don't have" is the best advice to give anyone about ANY credit scheme.