Klarna users are being signed in to random accounts

> Hear hear, I used Klarna (not by choice)

It was by choice. You weren't born with an account.

Not taking personal responsibility for the rise of the ubiquity of these terrible online services (WhatsApp users, I'm looking at you) is a huge part of the problem. Pretending that you didn't opt-in is a lie you've told yourself; you shouldn't propagate that lie to others in society.

In Sweden there is a current cultural view that the only reason someone would not sign up for an account with any kind of banking service is because they are too old to navigate the registration process, in which case all they need is help going through it. Any other explanation for why someone does not have an account at X is perceived as perplexing or straight alien. Non-coffee drinkers will have an easier time culturally then those rejecting getting accounts at sites like klarna and swish.