> It's a good thing, not a bad thing, that they have a separate line item on their balance sheet for funds held for customers.
That is not what Animats was saying. They were talking about that showing up on a balance sheet at all, not whether it is separate vs combined with something else.
If they are holding onto customer funds, then you definitely want it to show up on the balance sheet.
Are you saying they shouldn't be holding onto customer funds at all? If you disagree with their doing this on a moral or ethical level, then that is your prerogative, but they don't seem to be doing anything unusual or untoward.
That is not what Animats was saying. They were talking about that showing up on a balance sheet at all, not whether it is separate vs combined with something else.