Because you have seen the bill before it gets paid. The bill is a precondition for the push-type transaction of sending money. Whereas with a credit card, the v

Because you have seen the bill before it gets paid. The bill is a precondition for the push-type transaction of sending money. Whereas with a credit card, the vendor can just pull money from the account without ever having sent a proper bill. Just like it happened to the OP. When getting money requires the vendor to get their affairs in order and send proper bills, things will get fixed quickly. When the vendor can get money anyways, things will never be fixed because there is no consequence to cashflow.