You're sometimes asked to transport money on your bus route. You earn a commission--but it also puts you at risk of robbery. One day, you're asked to carry an unusually large amount of money for a man who plans to marry soon in the village.
How should you transport the cash?
You accept. You plan to deposit it with your agent; then cash-out in the village. The agent will charge a fee, but the money will be secure.
What if there's no agent in that village, or the network goes down? You feel that your reputation is at stake. You carry it yourself.