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Also, by issuing a check, the money could end up anywhere. Companies as well as individuals often spend frivolously, so why not trap the funds inside of googleplex instead? Makes sense to me.
If they had this feature, how many of you would use it instead of receiving a check?
Getvisibleuk, a large number of people use both Adwords and Adsense. For those, transferring the money back and forth can amount to several % loss in bank fees. Avoiding that overhead will put more food on *their* table.