The answer probably is: "Capital could be better spent on the core businesses" rather than that they can't. Even Amazon with all its projects has limited atten

The answer probably is: "Capital could be better spent on the core businesses" rather than that they can't. Even Amazon with all its projects has limited attention it can spend. Becoming a bank isn't something you half-ass, which is why they'll just continue to do cobranded cards with companies who are already banks.