Yeah maybe you don't need a payment plan for concert tickets but maybe you need one for a wheel chair, a laptop you need for school or any other emergency
Klarna is not a charity. Its whole business model is that a certain percentage of loans taken out will not be paid back in time because a lot of people suck at comprehending their financial situation, and that's where they make their profit.
Cf.: https://www.theguardian.com/business/2022/oct/03/its-just-so...
not quite. They also charge the sellers. The theory here is that paying in installments is more attractive to buyers (rationally or not) so it increases sales.
Though I don't know how much of their profit is from that vs. interest.