> Should Starbucks be regulated as a bank because they let you prepay for a cup of coffee? In Germany, you might actually need a permit from the financial regu

> Should Starbucks be regulated as a bank because they let you prepay for a cup of coffee? In Germany, you might actually need a permit from the financial regulation (BaFin) if you offer gift or prepaid cards, at least if you store the value online (and maybe some other conditions).