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Because it is batched and impersonal. A list is exported monthly, everyone on it gets the same reminder, and the customer who always pays at sixty-five days is treated identically to the one who has broken two promises.
The first is annoyed and the second is unaffected, which is precisely the wrong way round.
Use the aging report with payment history beside it. A customer whose pattern is sixty-five days does not need chasing at thirty-five; a customer who has broken promises needs a call rather than an email.
Schedule the routine reminders and reserve human effort for the exceptions. That is where it changes outcomes.
The routine ones, yes, stopping on payment.
On broken promises and on anything disputed.
Yes, which prevents surprises on both sides.
Half an hour with your own data usually saves reading three of these. The guides will still be here afterwards.