It does affect the average Joe, because Joe is buying the products or services the private organisation creates. If Walmart, to pick a random example, has this phenomenon and spends extra money wastefully at the end of their financial cycle, that would mean that every product Walmart sells has to cost a bit more to pay for that, and Joe's monthly grocery bill goes up.

Thankfully Joe has many other options than Walmart. But you only get one government.

You can vote on your government and you can move to a different country.

For average person it's easier to change the government than to change Google CEO.