Ann: Update regarding FY20, page-214

So you think desperate people will be creating new Afterpay accounts and every time they do so, they will be linking a different debit card? And because they are desperate enough to do this scheme, they will need to be transferring their limited funds around their multiple bank accounts. All this to game the Afterpay system?

Sure this seems like a possibility.... But whether or not this has a material effect on the bottom line, I'll let the investor/shorter decide.