rbmks

In principle I agree, but you can be tricked into using Klarna. However, in Europe you should be able to cancel the order without reasons.

I cancel every online order if I find out that it is handled by PayPal, Klarna, Mollie or other data collecting entities.

The situation in Europe is so bad that you are sometimes tricked into a prepaid order only to find out that the invoice comes from one of those.

The appropriate penalty is immediate cancellation and multiple GDPR requests.