When is Facebook going to have banking? As in send money to friends, pay micro amounts for services, etc.
Since money changes hands between friends, anyone can have an account, so instead of subjecting everyone to paypal-like registration hassles (bank, mailing address, test transactions, etc.), you just need a chain of friends that gets you back to someone who can deposit USD into facebank. So they get global payments without everyone needing to have US addresses, banks...
Granted, any social network could add banking and make it more attractive than the other competing social networks. Likewise, paypal could become more social....