There's a great book called 'Founders At Work' that tells Max Levchin's account of PayPal's early days. Apparently they stopped considering PayPal a payments company very early on. They moved on to being a fraud prevention company. In reality, they no longer have to do anything to promote growth or even sustainability in money moving through the system, so they can just ignore that part. Almost their entire focus is on preventing fraud. I'm not saying it's right, I'm just saying.