i believe you have just answered the question in your post , because other people are late in paying their bills this causes a "rippling-effect" for others.
i kind of expect this (mainstream) at this time due to "tradeshows" , "vacations" , and the excuse of the holidays to move money around to pay for other things.

sincerely ~ ..."jim wants an XBOX! , and one of them cute salesclerks to go with it!"... :fool: