I think you need to broaden your thinking horizons here. The thought in the midst of the pandemic was that it brought ecommerce/payments to the masses who woul

I think you need to broaden your thinking horizons here. The thought in the midst of the pandemic was that it brought ecommerce/payments to the masses who would otherwise follow their old routines. Thus the large hire. I believe the theory was that once everyone starts on this new routine of convenience it would be difficult to return to old patterns. Your comment reads as someone who likes to look back on the past with all the knowledge of today as if it was so incredibly obvious. That said there will be some significant knock on effects from pandemic that will be favorable for those companies however not as large as originally thought.