Decent? They create debt among teenagers. As if they don't have enough angst they now also have to worry about fines for having bought something marketing scum manipulated them into buying and Klarna allowed them to pay-now-regret-soon.
Teenagers are allowed to take high interest loan? Where? I think in Poland it would be possible for every parent to refuse repay such a loan.
I think probably anyone could refuse to repay a $120 unsecured loan with pretty limited consequences.
In Sweden at least they will just send it to collections. Something which down the road could potentially negatively affect your possibility to, for example, rent an apartment, and in theory they could even garnish your wages if you keep refusing to pay.
18 year olds aren't considered adults in Poland?
Well, the deal is that once one is 18 one may make one's own decisions and suffer the consequences. Klarna is scummy for sure, but the "SMS loans" in Sweden are even less appealing.