Only 'cause you're getting paid regularly. If you died you wouldn't be turning up to work, in which case your employer isn't going to just keep paying your wage every month, so your bank account would empty pretty quick.
It's called savings.
Your bills come out of your savings account? Kinda defeats the object of "savings", smart arse.
Okay, wiseguy, my checking account is large enough to sustain my bills for close to a year.