Premature consumption requires a matching value preservation strategy. Choose Klarna sex doll "replacement insurance" (monthly payment of ￥38): When the purchased torso sex doll is updated within two years, you can upgrade it by paying 15% of the price difference. Its actuarial logic is based on the fact that the annual depreciation rate of sex toys is about 40%, and insurance transfers 53% of the depreciation risk. This financial instrument makes installment consumption more sustainable.

Blockchain technology reshapes the ethics of installment. The new torso sex doll installment platform uses zero-knowledge proof: when verifying the user's repayment ability, no specific consumption information is obtained, and Klarna sex dolls only receive encrypted certificates of "credit qualified". This innovation of separating financial privacy from sex toys consumption may become an industry standard.