Can you back-up your assumption that Afterpay goes after the...

Can you back-up your assumption that Afterpay goes after the "bottom of the barrel"?

I don't have to prove anything to you but it helps if you do some research on Afterpay customers before spreading your lies. You can start with the research paper "How millenials manage money"

But once again, it's your turn to "prove me wrong" so maybe you can show some evidence that backs up your "theory" (using that term very loosely).