It will be an interesting post mortem if they make it public.
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Unfortunately, they're huge, and I doubt the Swedish authorities will do more than give them a fine and a slap on the wrist.
So what? It's 0% interest. It's incredibly helpful to have easy-access financing to split purchases across a few months.
>even simple things like buying a book through a web site requires declining several offers for paying with credit.
This sounds so specific it seems like you're taking a bad experience with one website and pretending all websites are like this. Most e-commerce sites I've used in the past year offer Klarna or some similar service and all of them have been implemented as just another option in a set of radio buttons.
I don't know, it seems like a failure at adulting to have to do that for small to medium sized purchases. If you need the feature, you probably should not have it available. Maybe this is my German attitude about money - basically, only take on debt for investments, a notable example being housing.