It's unclear if Affirm's business is sustainable PayPal now faces some tough questions regarding its future after it abruptly abandoned its goal of hitting 750 million active accounts by 2025. The critics claim Affirm merely provides a subprime lending platform for consumers who can't get approved for traditional credit cards, and that its delinquency rates will rise as inflation and other macroeconomic headwinds trigger an economic downturn. Furthermore, competition from other BNPL services that are integrated into larger payment platforms -- such as PayPal's Pay in 4 and Block's (NYSE: SQ) Afterpay -- could cause major headaches for Affirm.