By Matthew Paxton IV Most people get mail every day, Monday through Saturday. A lot happens in the mail, and a lot goes wrong when it is late. To begin with, mail is the backbone for about $1.3 trillion in jobs, products and services. And then there is the personal impact. People send credit card payments at the last minute when cash is tight. The payment reaches the credit card company late, and credit scores take a beating. That causes loans for cars and houses to get more expensive.