That's not at all how Darwinism works, because a.) everyone with a similar lack of financial means & education would be liable to make similar mistakes, and b.)

That's not at all how Darwinism works, because a.) everyone with a similar lack of financial means & education would be liable to make similar mistakes, and b.) Klarna (or anyone else) preying on these people does not reduce the incidence of people who lack means and financial know how (if anything, it increases it). This is a set of ideas called Social Darwinism, and if you look into it's history, you may not like the company you're keeping, so to speak. https://en.wikipedia.org/wiki/Social_Darwinism https://en.wikipedia.org/wiki/Social_Darwinism