I hope the next time someone pays in front of you, it's for a single, inexpensive item. Also, it's the slowest person you've ever seen and they start paying in cash, come up short, make up the difference in a hand-written, personal cheque. Then they remember they have a coupon. It's expired. The cashier calls for a manager override. The customer writes another check for the new balance. Before handing it over, the customer remarks the price label looks incorrect. The cashier gets a price check, confirms the new correct price. Another manager override. Another check. The cashier takes up the cash and realizes one of the coins is of a foreign denomination. The manager is over it by now and tries to pay for the item, but the customer is too proud and insists on paying for it themself, remarking they've "never taken a handout in their life." One of the less patient customers behind you jokingly asks if they'd like to round up for charity. Turns out they very much would and that's about when the pen begins running out of ink, but they're determined to make it work.

Loan sharks have been a thing for a long time. Legal loan sharks… yeah, that’s new.

Like you can afford that after you borrow money for groceries and pills

If that's affecting you particularly, then you chose to buy a hot dog on a loan AND you failed to pay it off in time. Far cry from inflation and taxes which affect everyone.

No, but listen. It's zero down and I don't have to pay for five years!

No, I've never heard of "compounding interest". I'm not a banker. Who cares, gimme that dog.

No one is buying a hot dog using Klarna except as a joke. It's just hire purchase.