YNAB empowers behavioral change in spending by forcing more interaction/decisions by the user.

I feel it rewards bad behavior.

since it is illegal behavior. 

I just think that there's a big difference between taking ownership of the bad behavior of others and protecting yourself against it.

If they've been late in the past they will continue to do so because you've trained them that this behavior is ok. 

I have corrected the behavior of a couple tenants by reminding them of M2M.

At least the behavior of the guests in my experience.

Does requiring sellers to pay buying agent commissions foster anticompetitive behavior and artificially inflate commissions (they will only show or favor listings with the highest commissions)?

You wouldn't believe the number of parents, teachers, and police officers stewing at my behavior.

If you actually call something a GRACE PERIOD, then the courts can construe this to mean that the tenant has until the 5th (I'm using that as an example) to pay their rent and give them a leeway to have the Judge say to you, well you've allowed them to pay rent on the 5th all these months so you have changed the contracts due date.I never give the Judge or the Tenants a "Loop Hole" to where a Judge can use his or her opinion to award the tenant(s) for bad behavior.