Some people choose not to set up automatic payments, and the percentage of people who are living paycheck to paycheck or nearly so is high enough that, even amo

Some people choose not to set up automatic payments, and the percentage of people who are living paycheck to paycheck or nearly so is high enough that, even among those who do, probably a significant percentage would see the second month's payments fail if they were set up using a bank draft or debit card rather than a credit card.