I used to work at a competitor to klarna so take this with a grain of salt, but the zero interest rates aren't really zero. They finance either by klarna eating

I used to work at a competitor to klarna so take this with a grain of salt, but the zero interest rates aren't really zero. They finance either by klarna eating into their runway, or by the business paying the interest up front. Which usually leads to higher prices for everyone, regardless of you using klarna or not