Where to start. The major issues of Earnin all stem from the inexperienced, incompetent and bullying leaders that have no business in the roles they’re in. The fact that these hires happened in the first place is concerning (how does the board approve these people?!), but then that these “leaders” continue to hold such positions after proving time and time again that they can’t do the job is ludicrous. Additionally, there is no accountability by said leaders and they continuously push blame onto their team and direct reports, rather than actually trying to learn how to do their role and or manage a team. Not to mention leadership doesn’t actually do any work and treats their employees like dogs to cover the fact they have no idea what they’re doing, favoring those subordinates that are lazy but tow the line by being obsequious rather than actually creating value.