In the world of digital payment, Alipay is like a knight with unique skills, changing people's trading habits with its unique payment methods, and also leading a financial revolution. However, there has been a lot of discussion about Alipay's reform recently. Among them, there are rumors that the welfare of four categories of people will be reduced, what is going on? Did they really do anything wrong?
But there are many netizens who said that it doesn't matter if it's closed, anyway, the amount given is not high, and now many people have used Jinbei on WeChat*** to replace Huabei to borrow, and the amount given is high and convenient. Let's focus on the so-called "Wool Party". These are users who are good at taking advantage of various offers, event loopholes to get additional benefits. Their operations can often bring benefits to individuals in the short term, but can cause a huge burden on the platform in the long run. Therefore, Alipay's reform may deal a blow to these "wool parties" and reduce unreasonable welfare distributions.
The second group is over-borrowers. With the popularity of credit business, some people have become overly dependent on borrowing and spending, forming an unhealthy financial behavior. In order to protect consumers, but also to prevent the emergence of systemic risks, Alipay may adopt stricter loan review and limit control measures for such people, which will undoubtedly make them feel less welfare. 
The third category is users who are frequently overdue. The credit system was established to encourage trustworthy behavior, and Alipay may exert pressure by lowering credit scores or restricting the use of certain features for frequent late repayments. Although such a reform measure is a "punishment" for this part of the users, it is a necessary adjustment for the healthy development of the entire platform. We have to mention those users who take advantage of fake transactions to cash out. This kind of behavior not only harms the interests of the platform, but also infringes on the fair rights and interests of other users. Therefore, Alipay will inevitably increase its crackdown on such behaviors in the reform to maintain the benign operation of the platform. From the above analysis, it can be seen that Alipay's reform is not an unwarranted reduction in the welfare of users, but out of consideration for the overall ecological health and sustainable development.