[jallen_dot_dev]

This isn't a good analogy. A retailer is responsible for giving you what you ordered (a nice new widget) because you are literally buying it from them. In this case, Affirm isn't fulfilling the purchase at all.

I think a better analogy would be you bought a house, but you find out later the seller lied about something (maybe they didn't install a new roof like they claimed), so you think the best course of action is to stop making mortgage payments to your bank.

> Regardless of whether amazon was actually responsible for providing the widget they received your money and ergo they are responsible for giving it back.

Yeah, after you request a refund from them. Try issuing a chargeback to Amazon next time you buy something from a 3rd party seller, I think you will have a bad time.