> In 1983, people lamented that one had to use a “credit” card at Burger King. On some level, payments and credit are on the same spectrum of value transfer.
The key difference is that for the vast majority of people who pay with a credit card at BK it's for the sake of convenience and sometimes the incentive of credit card points, rather than because they have no money in their account to buy a burger.
There is nothing "convenient" about paying for a $12 meal in $4 installments, plus you don't have the points incentive of a credit card, so it's highly unlikely that people who do have a CC and can afford to pay for a burger now will go that route.
That leaves only those people who have so little money that they cannot afford a burger now but they hope to afford it in X time (presumably after their next paycheck). And from that perspective Door Dash x Klarna is preying on the poorest and must vulnerable in society who probably shouldn't be using Door Dash in the first place (more expensive than the food itself), or risk accruing interest if they don't make those 4 payments (Klarna is not a charity).
The key difference is that for the vast majority of people who pay with a credit card at BK it's for the sake of convenience and sometimes the incentive of credit card points, rather than because they have no money in their account to buy a burger.
There is nothing "convenient" about paying for a $12 meal in $4 installments, plus you don't have the points incentive of a credit card, so it's highly unlikely that people who do have a CC and can afford to pay for a burger now will go that route.
That leaves only those people who have so little money that they cannot afford a burger now but they hope to afford it in X time (presumably after their next paycheck). And from that perspective Door Dash x Klarna is preying on the poorest and must vulnerable in society who probably shouldn't be using Door Dash in the first place (more expensive than the food itself), or risk accruing interest if they don't make those 4 payments (Klarna is not a charity).