In the first situation, I and others repeatedly warned that our biggest 3rd party integration, …

… In the first situation, I and others repeatedly warned that our biggest 3rd party integration, which made the backbone of our business, was going to ban us for abusing their APIs and other business practices that we were doing, and we needed to address that. This was repeated all the way up to the highest levels, I was in the meetings with the CEO, talked about precedent etc. They didn't change anything. The ban eventually happened, and they never recovered, laid off over successive rounds, ultimately ~50% of staff is gone now, because of this very obvious strategic error. In another situation, they tried to blame it on interest rate hikes, but before interest rate hikes, we were sounding the alarm that we were on-boarding way too many iffy customers (its a fintech place for SMBs to manage AP) with out of bounds credit profiles, and that these new sign ups would dry up way too easily, we needed to re-focus on a better core ICP before we try to further expand the business, try and target customer segments with stronger business profiles etc, and this is prior to the majority of the …