It matters because if it happens to a private organisation that does not affect the average Joe. It's when it happens to governmental organisations that it matters because it means increased taxes and/or decreased useful public services.
It does affect the average Joe, because Joe is buying the products or services the private organisation creates. If Walmart, to pick a random example, has this phenomenon and spends extra money wastefully at the end of their financial cycle, that would mean that every product Walmart sells has to cost a bit more to pay for that, and Joe's monthly grocery bill goes up.
