Introducing Buy now, pay later in Microsoft Edge

I've been using Edge as my main browser recently, besides Chrome and Firefox for specific tasks, and it's been a good experience. Decisions such as this make me consider moving away from Edge, however. Why on earth would you include a service in ALL Edge browsers that only a tiny fraction of your users will use? Unnecessary bloat, plus look at the bad press popping up on tech sites. Going this direction, I fear that more bloatware / crapware are on their way, and Edge will become a once-good browser.

A question, though. I'm on 96.* and can't seem to find any reference to this service in the settings. I don't have an associated account and disabled all payment / personal info settings, so I wonder how much this is really affecting me besides being part of the software and potentially increasing the attack surface of security breaches?