While I agree that increasing consumer debt is a problem, I think Klarna provides a valuable service for online shopping.
I can get my goods delivered and inspect them before paying anything. If the goods are not as stated (or don't arrive at all) I just dispute it and then it is Klarnas problem, I haven't risked anything of my own money. If I had paid up front, I would have to try to get my money back. It's almost always harder to get money back than to dispute and refuse to pay.
Some regulations are welcome, but I don't see BNPL as a bad concept in itself.
There is probably licensed code in there somewhere. Which means open sourcing it is really cumbersome. It would probably cost more money to open source it than to do the refund.
It's so weird that Google migrated to the pile of dung that is RCS instead of just fostering any of their existing chat protocols. Google Talk was working great 15 years ago...
Yes, unstable Debian is still hella stable. But you probably don't want to suggest it as the first Linux dust since you need some extra carefulness when updating.
While I agree that increasing consumer debt is a problem, I think Klarna provides a valuable service for online shopping.
I can get my goods delivered and inspect them before paying anything. If the goods are not as stated (or don't arrive at all) I just dispute it and then it is Klarnas problem, I haven't risked anything of my own money. If I had paid up front, I would have to try to get my money back. It's almost always harder to get money back than to dispute and refuse to pay.
Some regulations are welcome, but I don't see BNPL as a bad concept in itself.