Bit of an odd way to put it, like saying there are X amount of HSBC dollars because they offer X different financial products. In this case PayPal's core produ

Bit of an odd way to put it, like saying there are X amount of HSBC dollars because they offer X different financial products. In this case PayPal's core product seems to be the same as always, they've also added a stablecoin product which you can make a conscious decision to buy. Similarly you can move your money into their savings account which offers additional guarantees. Presumably in both cases they'd prefer funds are kept as a 'standard' PayPal balance that they can invest to make more profit but if you're going to move your funds out of PayPal why not offer these other options. The author seems surprised that different financial products offer different levels of protection but different levels of risk Vs reward are what the whole financial world is about. So long as consumers are made aware that's fine.