Re: Still do not understand
Many people simply cannot do that. End of.
You presumably have a good credit history, always pay your credit card bills on time and have a personal accountant spending a few hours every week updating your personal expenditure in a nice leather-bound double-entry ledger. (And the other things a tax accountant can do)
Many, perhaps even most people don't have that privilege.
Many people live payday to payday, on hourly wages (or even piecework) and before making any spending plans - such as buying the food for Christmas dinner - need to check that they really have been paid and how much they were paid.
As if they don't, they might go into their overdraft and be effectively f**ked for the next decade.
Biting the hand that feeds IT
