Your assumption that they go through the same work flow might be mistaken.
The same type of questioning applied to banks and transferring money:
Why would it cost a bank more money to print and mail checks to individual people when they already do balance transfer payments every night to other banks and branches?
The same type of questioning applied to banks and transferring money:
Why would it cost a bank more money to print and mail checks to individual people when they already do balance transfer payments every night to other banks and branches?