I had the same conversation many years ago in a bowling league

A bowler was complaining because the treasurer didn’t deposit her check for 2 or 3 weeks. I figured, as long as you had accounted for it in your check register(this was before Quicken), what’s the problem?
But as far as why someone wouldn’t deposit it? They forgot about it, misplaced it, etc. Or they don’t want an ex to know how much money they have yet. Or they don’t have a checking account because ChexSystems screwed them over… Just throwing out ideas… 🙂