You have no idea what you’re talking about. Affirm has some of the lowest delinquency rates of any BNPL and targets consumers that are more likely to repay their loans. In addition, the consumer spending dependency is remarkably resilient in both upturns and downturns, of course to a certain point - if we’re in a complete economic collapse affirm is not the only stock that will crater.

You seem to be speaking from what you’ve heard through social media and sheer ignorance.