I think both you and sandy68 are quick to judge AMEX the company by the word of a single employee. It's likely that this AMEX employee does not deal in capital/funding markets and is unlikely to fully understand the capital-efficiency of the business.
I work for a bank, that does not mean I know everything banking related. This guy working for AMEX means very little without further context, although judging by his worry about high interest rates suggests they aren't a source worth listening to.
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