I really dislike services like klarna because I feel it tries to set people up to buy something they can't really afford. But to counter myself, it let's peopl

I really dislike services like klarna because I feel it tries to set people up to buy something they can't really afford. But to counter myself, it let's people get things they can't afford. What's wrong with that? It's just that in exchange they are forced to follow some sort of strict "savings plan" for an extra fee. If they had a strict savings plan from the beginning they could maybe already afford what they wanted, but this is a really judgemental attitude that ignores how some people are just different.