I don't think you're right about Klarna. I mean sure, it enables people to spend outside their means, but it hardly seems predatory.

If I'm reading this right, the late payment fee is maximum of $7 for their 4 payment thing?

https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_u...

If you bounce a check or an ACH the fee seems to be $27 (but not more than you owe) for their 30 day plan: https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_u...

Their pay over time thing seems to be 0-29.99% which seems in line with credit cards?

I mean, sure, I guess making it easy for people who make bad financial choices isn't great... but it's also easy for people who are making good financial choices.