There wasn’t an issue with Affirm not paying the money onward, why go to them.
Once again, Affirm have agreed to give credit to this company, that relationship is theirs. If their client isn’t fulfilling their duties it’s Affirms problem too.
Credit cards work like this, you pay your 2-4% fee and you’re guaranteed what you expected to receive.
Hence why airlines changing peoples tickets out for credit during the pandemic was easily routed around via a cc charge back.
I literally had the Turkish government change the law on my ticket to say the airline didn’t have to fly me but could swap my ticket for credit and I still made it away with my money in the end.