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remember when I was doing PayPal 22 years ago and the company was six months away from running out of money I remember the lawyers told us really clearly you cannot use customer deposits to fund the operating expenses of your business in other words if this business ends up going bankrupt youll still have all the customer money there and theyll be able to get it back and it was really clear hey if you use customer funds to pay for the burn of the business to operate the business that is a do not pass go go directly to jail type offense