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Economic downturns are often accompanied by tighter regulations. Klarna's "Buy Now, Pay Later" (BNPL) model is already facing increasingly rigorous regulatory scrutiny across multiple countries. The UK government has described the BNPL sector as the "Wild West" of lending, and the Netherlands is also intensifying its oversight. As a product category straddling two high-risk regulatory areas—"adult content" and "consumer credit"—Klarna sex dolls face particularly acute compliance risks during economic downturns.
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