Na, they exist because they made checkout convenient. I never have to register anywhere anymore. Just type my email address and my info is filled in automatically. I don't have to get my card out and type in the numbers, Klarna will just bill me. And as long as I pay the bill on time (which I always do) this won't cost me anything extra.

I mean, I don't really like Klarna on principle and they seem to have a pretty whacky corp culture, but one has to admit it's convenient.