And most of it has to do with them waiting to be paid for work they've already done. Is it really though? If someone is really in this poor of a financial sit

And most of it has to do with them waiting to be paid for work they've already done. Is it really though? If someone is really in this poor of a financial situation, I'd bet that it could actually be worse to receive money day by day. This gives them access to use it prior to when larger bills are typically due: the start or end of the month. That is, if you get paid on the 31st, you'll have that full paycheck available to pay your loan, mortgage/rent, car, phone service, and so on on that day or within the next few days. Then you have the rest leftover to blow. Day by day payments involve control and making sure you are setting aside enough. Have you ever noticed how excited people in this situation are for "payday", since they're able to go buy stuff? Now, every day is payday with the associated temptations.