I’ve written about Klarna in the past. This company makes it very easy to pay for stuff, no matter how inexpensive, and to pay over time. I only became aware of it when I was walking into a grocery store in a not-great neighborhood and saw a sign stating that you didn’t have to pay for your groceries all at once but could spread it out (with interest, of course).

This advertisement kind of shows you the demographic: a black hand is holding up the bedazzled phone, and the fingernails are done up in some jazzy style that surely was funded with a Klarna loan.