>A financially-secure person can put it on their credit card, and pay no interest because they always pay their full statement balance.

klarna offers a 4 equal interest free payments option. How that any different from a credit card?

As a financially secure person, why would I want to spend $800 today when I can spend $800 over four months with no penalty? It doesn't make any sense in the slightest, that is unless you're not savvy enough to keep track of your money?

Klarna is four payments over eight weeks. That's about the same float as a credit card, which can be up to 60.

I was mistaken in thinking it was longer than that. If it is only about two months then it's of little value over a conventional CC (depending on when you buy it in your statement cycle).

My example with the wings is an extreme/incidental use-case, and I realize that it'd be atypical to unheard of in practice.

Because for me, overspending is a bad habit, even if there's no interest.

im all for let us poor brokies do what we want