$PayPal(PYPL)$ Two important things for skeptics to dig into; the VIE (variable interest equities) and the SEC 10K footnote stating that PayPal has the ability to take up to 30% of customer funds in certain jurisdictions and use them for its own purpose, essentially transferring assets from a customer account for the corporate account with just a promise to repay. The mismatch of accounts receivable and accounts payable, a difference of more than $2.1 billion at last fiscal year end, tells those who know the basics of balance sheets that a good chunk of the supposed cash on the short term books doesn't even belong to PayPal, it belongs to customers. But how does a company pay that money back of it gets lost on non performing BNPL loans?