I can't remember the proper accounting term for the practice, but businesses do not like to postpone/buffer payments like this. These legally count as on-the-bo

I can't remember the proper accounting term for the practice, but businesses do not like to postpone/buffer payments like this. These legally count as on-the-books debts, and no business wants to track millions of dollars of tiny debts, each of which may one day need to be paid out. Particularly when these debts roll over year-after-year across tax years. I previously worked for a business where both the marketing and customer service departments handed out promotional credits to users like candy, without accounting for them. One day we got a new CFO, and a report on these credits was one of the first things he asked for. He sure wasn't happy to discover over $2.5 million dollars worth of credits idling in users' accounts with no expiration. While it's unlikely any significant percentage of them would have ever been cashed in, there is no guarantee and legally the business is on the hook to cover them.