>> If you spread out non-essential purchases into multiple payments to shoulder them then you maybe shouldn't buy it in the first place.

There's nothing wrong with managing your cash flow in this way provided you're not stretching yourself to the point where getting into debt is a possibility. There are plenty of expensive things I could buy now where I would rather spread the payment over a few months for better cash flow. Klarna is, in my opinion, very different from payday loan services. Payday loans are offering cash at very high interest rates, and the only people who need cash that badly are people struggling to pay rent/pay for some emergency. That's very predatory. Klarna is very different. Sure you could get into debt through it if your reckless, but it's much less predatory.