How many of you are well known  in your community?  That is you call the elevator and say sell 5000 bu of something and they say okay we'll send you the check.  Or maybe the car dealer says go ahead take it home and see how you like it.  Or you get some work done by a plumber or some other tradesman and they tell you they'll send you a bill but it takes a couple of months because they know you're good for it.

Then when you go someplace away you're both surprised and miffed that people want all sorts of ID and assurances that you're good for a $20 check.