Other reasons include mishandled baggage and the fear of your bag not arriving...
Absolutely.
Cant trust 100% that your baggage is on the plane. I've been in that spot. Left without bags at midnight, carousel empty, everyone gone and no staff.
No clothes, documents. Just my wallet and the clothes on my back. $500 down replacing items. Chasing insurance for money 2 months down the track.
No chance ever again. From now on, what goes in the hold I can afford to lose.