The Bank of Starbucks?

Every year, about $14 billion gets loaded onto Starbucks gift cards. In any given financial statement, there's $1.8 billion in mobile wallets. That's a massive amount of debt. It's debt because all of that is money that customers loaned to the company via their mobile wallets - a huge number of interest-free loans. Since the loans come from millions of individual accounts, the company will never…