Why would your vendor want to make it harder for you to accidentally give them a million dollars?

Ideally because I'll pick a different vendor who protects me from such mistakes.

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?

Because I would go to the vendor who does.