Klarna is a thing in Germany as well and personal bankruptcy absolutely is a thing here [https://www.verbraucherzentrale.de/wissen/geld-versicherungen/kredit-schulden-insolvenz/privatinsolvenz-in-3-jahren-schuldenfrei-11417] so I don’t know if your second point is that relevant. I’d agree on the first one though.
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Cake day: July 12th, 2024
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Regay: anon is jealous of the guy, because she has a crush on the women following him.