Well, and I could be wrong. Paypal was able to be basically a bank without having to follow any of the rules of what a bank needed to follow. Sorta like Uber b

Well, and I could be wrong. Paypal was able to be basically a bank without having to follow any of the rules of what a bank needed to follow. Sorta like Uber being a taxi service without having to follow any of the rules of a taxi service. My guess is it's very expensive to beat someone who has already broken the rules to get to where they are before the rules caught up to them.