klarna and affirm are what happens when you graft the business model of a rent to own furniture/electronics store (where an xbox will end up costing $1425 after

klarna and affirm are what happens when you graft the business model of a rent to own furniture/electronics store (where an xbox will end up costing $1425 after all payments) or a "buy here, pay here" used car sales lot onto some web2.0 bullshit and marketing hype