this post was submitted on 11 Feb 2026
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People in debt (before there is professional help) end up paying the important things first (such as rent) and then choose to pay off the debt that is most within their reach. Klarna is much more likely to be a low amount compared to their creditors.
It might be true their loans are more likely to be payed back while also they might have less to loose in case of a personal bankruptcy.
But that aside, i have no clue on whether Klarna is making a smart move. But i assume they are because companies that are both evil and stupid don't tend to come far.
Eh, I dunno about that last point. "Evil" is a pretty OP strategy if you have the stomach for it, usually leaves lots of room to survive doing dumb shit. And hot DAMN greed is good at convincing people to do dumb shit!
On the one hand, don't underestimate their cunning, I do agree with that. But on the other, I've never liked the "4D chess" assumptions some folks are so willing to make (not meaning you here), it's unwise to overestimate it, too.
I think they do have the stomach for it. And also smart enough to get away with conning people, to know how to not get in trouble with lawmakers, do that fine print just right etc. They act as if they are helping people by offering easy credit while they know they're not earning money from people who can easily pay them back. They profit off the least capable to keep their finances in order, living of the weak and vulnerable like parasites do.
Hard agree.