News: APT Afterpay Ltd Says U.S. Sale Drove A 35% Increase In New Active Customer To Platform On..., page-71

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.