I guess the way to look at it is does Starbucks sell coffee to make profit or does it sell coffee to get people to buy gift cards to make profit. The idea of a loss leader being part of the core visible business isn’t that strange. Even better if you can make money on both though!

Hopefully there is enough nuance in the world to recognise that they are both coffee shops and a bank. In the same way Google is both a search company and ads company.