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 probably a significant percentage of people who go without pay for two months 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.

60% of Americans live paycheck to paycheck, so this wouldn't matter. If they're not making money in jail they can't pay their rent, even if they have autopay set up.

https://ir.lendingclub.com/news/news-details/2023/60-of-Amer...

Some bills can't be autopaid either easily or at all, particularly utility bills. For those that can be autopaid, many people don't have them on autopay because of potential disruptions when living paycheck-to-paycheck. If you have to choose between food and rent, you better not have the rent on autopay, or you've accidentally made your choice.

I lived in America for two years and everything was automated