I don't view this situation as unique to Affirm in any way shape or form. I had a very similar situation with a chargeback scenario with my Apple card with frau

I don't view this situation as unique to Affirm in any way shape or form. I had a very similar situation with a chargeback scenario with my Apple card with fraudulent in-app purchases. The support infrastructure between bank - middleman - creditor is broken everywhere, and this is Apple and Goldman Sachs we are talking about.