Like its home country, which has divided world opinion with its contrarian stance on coronavirus, the $5.5b-valued Klarna is a Rorschach test. Pessimists can find plenty of dark clouds. In a happier view, the defaults will never materialise, an effective vaccine will arrive, economies will repair without depression levels of unemployment. And Klarna will follow Skype and Spotify to become the next Swedish sensation to make it big.