Making sense of the situation, page-41

I did read it the other day and I can't say there is anything there that jumps out at me for being wrong. In fact they mirror my view that there will be a large negative spike over the next few weeks/months before it all calms down. That's because some customers are stuck with loans that they may struggle to now pay back but it is unlikely that many people who are expecting or have lost their jobs will go out and buy a bunch of things through Afterpay.