I do not blame companies for doing this. I sell a service, for those who don't know or don't remember I am a CPA. Some services are notoriously risky in terms of offering credit. The one that comes to mind immediately is business startups. Used to be we would take the information and prepare all the paperwork and client would pickup and pay. About half the time you call them and they tell you they decided not to start a business after all. So now everyone pays up front including filing fees and postage if they want anything mailed for them. It costs me nothing but my time if they don't pay me, but my time is getting in short supply.
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