What can you pay with if you're doing financing? If they don't accept credit cards, they make way more than twenty cents back with reduced fees. If you finance on an Apple Card you don't get the 3% cash back (last time I looked).

Unless interest rates drop to 0% they're obviously still losing money, but if you follow the logic of everywhere that allows BNPL[0] you make it up by having more purchases than you would otherwise.

[0]: https://www.bitsaboutmoney.com/archive/buy-now-pay-later/