This is delusional and besides the point. You can't loan for consumption in your 20-30s, planning to pay it back in your 40s and 50s. Klarna does not even offe

This is delusional and besides the point. You can't loan for consumption in your 20-30s, planning to pay it back in your 40s and 50s. Klarna does not even offer loans beyond 36 months, and month 1 to 36 you have 20% interest rate! If you skip a payment there are steep fees. Klarna is for short term loans. Like, half a month. Klarna is definitely not offering their service to poor people in developing nations. Even if they did, how would a 20% interest loan for an Iphone help anyone escape poverty?