Because it’s unlikely they’ll actually be able to collect that million dollars from a lot of those customers. Rephrased: why would your vendor want to make it harder to accidentally give you a million dollars of services in exchange for debt of dubious quality?
Ideally because I'll pick a different vendor who protects me from such mistakes.
Because I would go to the vendor who does.
But there's no such vendor… the joys of free market.
Lately it's been dawning on me that good things don't necessarily survive free market.
Maybe because good for me but not good for the majority, or just the big corps.
If it is good for the free market and is competitive, it will get bought by a competitor.