Indeed, Klarna is one of those companies that do want customers to not be helped, and then do wrong, so that Klarna can charge them when they do.
As exemplified by this answer from their co-founder at a fin-tech conference:
"The best customer is the one that doesn't pay directly but get a reminder and then also a debt collection letter, because we are able to add the legal fees" (https://www.youtube.com/watch?v=LDdVSM1UBDo)
They used to be #1 cause of complaints to the Swedish National Board for Consumer Disputes before their dark patterns were forbidden by a law created especially against them.
Absolutely horrible company IMHO. I have their domains blocked in my web browser so that I don't accidentally use them on a merchant's site that hasn't advertised that they do.