why klarna though?

• free
• simple
• pretty good app
• zero interest for 30-day "pay later"
• zero fees for international currency conversion purchases (basically just Steam in my case, but also some other random purchases)
• I started by testing Klarna just to see what it was about and I liked it so I kept it.

I'm sure there are better solutions out there, that's not something I'm refuting here. I'm just saying I'm using Klarna and it works well for me.