[dpatterson2008]

This reminds me of this BBC article I came across: https://www.bbc.co.uk/news/business-55829879

> To use Klarna's pay later service, which defers payments for up to 30 days, shoppers only have to provide a name, email, date of birth, mobile number and billing address.

It’s mind blowing that’s all the information you need to process a payment via Klarna.

[sneak]

The benefits of reduced friction in high-trust societies are incredible sometimes. The failure modes are predictable.