[tinalumfoil]

> If credit dries up in a broader downturn, they are at risk of losing access even to those programs. Meanwhile, they may find that their reliance on these parallel lending methods, which only glancingly intersect with the conventional credit ecosystem, has hobbled their credit history at the worst possible time.

This is the only evidence I could find in the article for the title. Half the article is quoting influencers. Absolute click-bait.