I understand your frustration. It's my job to tell you what the law is, and the law does not always seem fair. It does not seem fair to me either, and the law should be amended to take into account the reality of many wage
earners living pay check to pay check.
The best way I can explain it, and I do this with all respect, is that the law only requires that you be paid on time. It does not make the employer responsible for what happens if you have other obligations to use the money. It also does not take into consideration the fact that you may not have any money in your checking account and have automatic payments scheduled. This is something that is your sole responsibility.
The exact reason for this is called Proximate Causation. When there is a breach of duty, the damages asserted must be proximately caused by the wrong. Here, the wrong is both a breach of contract
and a violation of the statute. So in this case, the damages are the actual payment, not the fact that you have not been paid. The law says you must be paid, and if you are not paid within 6 days of your termination, it is a crime. It does not say that if you are not paid, and then you cannot pay your bills, the the employer is responsible for that as well. This is because the employer only owed you your wages, it did not owe the money to the bill collectors, if you see my meaning, and again, I mean absolutely no disrespect.