I actually think this is another hit piece on Afterpay, Zip and retailers
It is saying it is akin to alcohol / party drugs and that the increased retail spend is unsustainable.
The word hangover has pretty strong negative connotations.
Anyway, as APT hits $10 or less due to American stock selling, it is probably worth scooping up a bit more.
We are at prices below that when the US expansion was announced. Severely undervalued IMO. DYOR.