But, currently, we aren't actually incrementing the label, so the function will loop on label zero. That should be done right before the call to the other suspending functions:

when(state.label) {
    0 -> { // Label 0 -> first execution
        logger.log("fetching summary of $id")
        sm.label = 1
        fetchProfile(id, sm)
        return
    }
    1 -> { // label 1 -> resuming
        calculateAge(profile.dateOfBirth)
        sm.label = 2
        validateTerms(profile.country, age, sm)
        return
    }
    2 -> // label 2 -> resuming and terminating
        UserSummary(profile, age, terms)
}