You're right about that, AND PayPal has some sort of aversion to debt obligations. I remember reading something about how PayPal can't loan out or use the mone

You're right about that, AND PayPal has some sort of aversion to debt obligations. I remember reading something about how PayPal can't loan out or use the money it is holding for users like a normal bank would- it's a sacrifice to their strategy to avoid being a bank in the USA. I think that would make having all this money on their books annoying from a business perspective, along with the 'it's not mine' problem