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.
A merchant I shopped at, and paid in full by card, opened an account for me and shared line item details with Klarna, apparently because they are using them as their payments processor in addition to an installment payment option.
I noticed this when I later did in fact "open" an (or rather, claim an existing) account with them.
Very disturbing, and the bad aftertaste has never fully gone away.
I just checked the chronology again: I performed the initial order months before opening the account, yet the line-level item details are there (and last time I checked, there was no way to delete these, for a payment years ago).
Oh, and I'm almost certain that somewhere within the fine print of paying at that store I consented to all of this, but this does not make it any less creepy from my point of view.