Paypal will continue to expand until they simply can't anymore. I know that a lot of people think that this company isn't regulated because it isn't a bank, but that's not 100% true. They are a financial institution, though not a bank, so there are regulations they have to abide by. It's not as stringent as a bank, but a lot more stringent than most people think. And, as a company expands, there is more and more government oversight that happens, so at some point Paypal will no longer be able to grow without having to report every single step to the Feds. Their expansion is creating jobs for folks, though a lot of those jobs go overseas.