Is there actually a material cost for them to host inactive accounts? Even if the end goal is profitability, seems they are very eager to throw their goodwill/

Is there actually a material cost for them to host inactive accounts? Even if the end goal is profitability, seems they are very eager to throw their goodwill/brand into the wood chipper, which is going to be counterproductive in the end. There are already tons of PayPal equivalent services that anybody can use. Not even sure what the differentiator is for them, or why they are relevant anymore.