Oh yes they do get lost. It happens all the time. You may use autodraft but that doesn’t keep you from overdrafting. I’m sure your friend is incredibly adept with money but he still couldn’t afford the car he bought. That’s why he had to use the bank’s money.
A payment is called a liability for a reason. There is always risk involved.
No offense but this is a forum, not a college class. We base our opinions on the data that is given, not the data that isn’t given.