Do you really think they will count money they steal as part of their revenue? I'd be willing to bet it goes straight into some sort of bonus pool.

It will be held in non-interest generating accounts until it can be released. Srsly, this is financial services and there's the odd regulation or two that everyone - including PayPal - have to follow.

They can't 'steal' the money - when accounts are locked they either hold onto it for six months or require you to keep a minimum balance. This is how they mitigate their massive risk profile.

Their customer services are entirely worthless, it's true, but I suspect that anyone coming to 'disrupt' PayPal will struggle with many of the same issues because they're caused by fundamental risk issues with online payments.