PayPal reports quarterly earnings tomorrow. We’ll get an update on Venmo, the popular peer-to-peer payments app that PayPal owns. But as services like Venmo, Square Cash and Zelle have gotten more popular, there have been some growing pains. Fraud and scams, for sure, but also a lot of accidental payments; for example, typing in the wrong email address. When that happens, as people have sadly discovered, the money is gone.