See my separate comment -- a hold plus a loan is not the same as just not holding the money, from a risk point of view. Although it would look the same to your bank balance, the two look nothing alike to PayPal&#x27;s accountants and auditors. If you think there&#x27;s a potential liability between two parties, it&#x27;s much better to formalize it as a loan agreement than to just carry it as a risk.<p>This is why, for example, the cable and cell phone companies show up on your credit reports. When you pay them in arrears for your service each month, you are in effect borrowing money from them.