This is probably a hot take, but it's not Twitter's problem that people earning a big tech salary are so incapable of budgeting that a paycheck delayed by a single day necessitates calling their mortgage lender or incurring overdraft fees.
You have optimized the slack out of your payments system, and can't handle disruptions
In California there are severe penalties for being late and effectively taking an interest-free loan: https://www.dir.ca.gov/dlse/faq_waitingtimepenalty.htm