Afterpay is in freefall. At $9.90, its shares were down 22 per cent on Thursday, down 57 per cent this week and 75 per cent in a month. Now just another loss-making credit offering in a world where precious Millennials all just lost their waitressing shifts. Anthony Eisen should rebrand it Aftermath.

"We are fortunate to have a business model, balance sheet and customer base that creates a level of protection in times of economic uncertainty," Eisen wrote on Thursday as all three were unravelling.