For most of my life, payments have been in cash.
Same here.
Cleaners, gardeners, window cleaners, chaps that tune the piano, chap that services the boiler, dog walkers, mobile hairdressers, odd job men, etc. etc.
So you had to remember to get the cash out before the person came to do the job, and you handed over the cash before they left your house.
Now things have moved on, it makes it easier and safer for trades to not have to carry pockets full of cash all the time, and makes it easier for the customer not to have to think, in advance (and guess the amount / get the right change) and go to the cashpoint. The person does the work, tells you how much it is and you send it straight over.
If you are at work, and in a job you can't access your banking, then you do it that evening when you get home. You remember by having a reminder on your phone, if you are going to have to send the money at a different time from them telling you how much it is.
It's not a difficult concept.
It would get much more complicated if people were having to keep records of people who chose to pay at random numbers of days after the money is due.
As others have said, how long would you leave it before contacting payroll if you weren't paid on payday?
YABVVU,