I see what you&#x27;re saying, but I wouldn&#x27;t expect there to be overlap.  I don&#x27;t know how paypal chooses whose accounts to freeze, but let&#x27;s say, for the riskiest 5% of accounts.<p>Now, the lending department can handle a lot more risk than the fraud department (as you note).  But I don&#x27;t think they would be willing to extend that to the riskiest 5% of accounts.<p>If there <i>is</i> overlap in &quot;too risky to thaw funds&quot; and &quot;trustworthy enough to offer loans&quot;, then either their lending department offers loans to some <i>seriously</i> risky clients, or the fraud department freezes a huge % of accounts&#x27; funds.  Neither seem like an acceptable situation.