> In contrast, there is no benefit to a BNPL arrangement I listed a ton of benefits of BNPL apps like Klarna in my parent comment, and I'm someone who could pa

> In contrast, there is no benefit to a BNPL arrangement I listed a ton of benefits of BNPL apps like Klarna in my parent comment, and I'm someone who could pay for everything with debit if I wanted. I really like using Klarna, and when I can choose between giving a web shop my CC info or paying with Klarna I always pay with Klarna. If they were blatantly exploitative like payday loans I would agree with you, but I don't agree that it is. I think it is way less exploitative than credit cards, where debt can accrue manyfold, as per your own example.