What you have to remember is that shopkeepers were expected to extend credit to their regular customers, and if they failed to pay even the most well-run business might fail.
Yes, and not just Shopkeepers but getting paid for goods or services was important to many tradesmen. Particularly when striving to be paid by prominent wealthy citizens (
how do you think they became wealthy?) Or servicing the Aristocracy
(many of whom were not wealthy and paid little heed to paying their bills). In fact it even applied to those who thought themselves lucky enough to be awarded the Royal Warrant. As I now relate.
A distant ancestor on my maternal side who I shall refer to as 'R' was a Master Chimney Sweep (1809-1880) employing other Sweeps. He operated in and around Worcester and had the contract to sweep the chimneys of Witley Court, Worcester. In 1842 the Dowager Queen Adelaide (widow of William IV) took up tenancy at Witley Court and lived there from 1842 -1846. Shortly after 'R' was allowed to display the Royal Coat of Arms for his Chimney Sweep services which he proudly used when advertising and the words..."To her Royal Majesty the Queen Dowager".
Now the rest of my story comes second hand from a relative of mine, herself a Family Historian and a direct descendant of 'R'. She learned via family hand-down that despite many times 'R' trying to get paid for his services
(and no doubt Witley Court had many chimneys) those responsible in the Dowager Queen's household for paying the bills failed to respond. In fact the story goes that when he tried to get paid he was met with the attitude..."you have Royal patronage and still want to charge for your services"?
My relative has cautioned to treat the tale as apocryphal and certainly has found nothing outside of the family to support the story, but nevertheless she thinks it likely has foundation on the principle 'no smoke without fire' . Certainly it was a fact of life that many small (and not so small) businesses failed because they could not get paid by the 'well-to-do' and nobility, thus allowing debts to mount up and bankruptcy/Debtors Prison looming.
Post Script: 'R' 's business survived the relatively short period or Adelaide's residency and he lived on until 1880.
(Queen Adelaide died in 1849 and was buried in St George's Chapel, Windsor). After his death R's wife took over the business and became a Mistress Chimney Sweep
(not too many of those to the pound).