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Then why isn’t Valve a Bank⸮
They probably have more cash money than a lot of banks who haven’t fully marked the value of their assets to market value since about 2008. I don’t actually have a list of who’s who, but creative accounting has been an open secret for some time and will likely become fashionable again either this year or next. Unless someone wants a banking crash or (more likely) is just too stupid to hire anyone that can stop one.
Because they’d need to be a third payment provider on top of visa and master card to make a real difference in this regard.