Isn't Starbucks in the business of getting customers to lend them money? They almost function as a back with all the money people charge on their membership cards? So the customers are the lenders here.

Not saying this as a gottcha. More to illustrate things are often nuanced.

As a side point, throwing in some marxism in the discussion sounds like the other side throwing the nazi argument to me. Like the reverse Godwin's law :)

Oh wait, did a inadvertently reached the Godwin point? Sorry 😔