I have learned the hard way as an independent contractor to ALWAYS get paid at the time services are rendered. I've literally had clients call and stop payment on checks before I could drive straight to THEIR bank to cash them. Experience taught me to NOT deposit into my own accounts, to just eat the fees for non-account holders, AND to offer a discount for paper cash payouts to avoid these risks and headaches entirely.

I foresee LN redeemable NFC 'payroll' Nutstashes evolving as reusable expense, stipend, and payroll payment keychain doggles.