Her attitude to Klarna is the same as Retinol - doesn't matter whether it's good or bad or Dermalogica or No7 - if they're giving her free stuff and paying her to advertise she couldn't give a b*llocks. (Wasn't it Klarna that gave her a paid trip to NYC or somewhere?)
I do wonder if it's an actual lack of understanding or just blatantly doesn't care.
Of course buy now, pay later sounds great - but unless you're absolutely to the pin of your collar today but you have a regular income and know you can pay it off next month, it can land people in serious trouble. I'm not the most finance savvy person ever, but if I had X on finance, I certainly wouldn't put more pressure on myself with even more repayments by adding on Y & Z.