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gift cards and virtual app balances allow companies to operate as unregulated banks, and take out massive loans using their unspent balance as collateral. It's a clever way to avoid the typical regulations in holding client money
Never thought about it that way and didn't know they could do that.
I assume it's not literal. Just kind of functions that way in practice.
For Starbucks I believe it is literal that they operate more as a bank than a coffee chain