Self Checkout

I bet Affirm is paying Walmart a pretty penny to put that on their self checkouts. I have used Affirm in the past to buy a new Cell Phone thorugh Motorola instead of paying all up front. the fee was way less than if i would have bought it on a CC. But i see many people getting caught up messing up their credit worse. but my biggest qualm about this would be stuck behind someone signing up for Affirm and having to wait for verifican codes, etc.. If you already have an account, i see, but when someone decides to sign up on the spot, ehh...