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I hope... No, I pray that Klarna, Afterpay and all the other similarly shitty services go belly up. They're basically modern payday lenders and those businesses should die.
Do payday lenders (like Money Mart or whatever) not charge fees unless someone is late on a payment? I honestly don't know how they work. I was under the impression that similarly, the only way Klarna and the others made money was by late payment fees since whenever they come up in a checkout it always says there are no fees (which I take to mean if payments are on time).
The truth is SO MUCH WORSE than that. (Last Week Tonight segment on it) TL:DW - all of the initial payments only go to the insane interest they are already planning to charge you, then when you've paid back the amount of the original loan (all as interest, so not even denting the principal yet), then they jack up the cost even more. Scum.
Thanks, that sounds more like what I thought I heard about them before (though I think there's a touch more regulation in Canada, even here I know it's still predatory and should be avoided).