Klarna is for people who […]

Well, Klarna is a free service, and I can use it however I like.

I use it to gather (all of) my financial transactions on a neat invoice so I can categorize them and keep a close tab on my family's budget. The invoice is paid by the next month, so it isn't "dragged out for months". I even have the physical Klarna card which you can also get free of charge.

This is very deliberate by me, so I don't need anybody to tell me what I should do instead. 👍