Comment by GuB-42

Formal writing is just that.

Alice: Hey, Bob, I finished the job, pay me

Letter: Blah blah blah, Bob, blah blah blah, $$$, blah blah blah

Bob: Oh, Alice is done, hey Charlie, pay her

Letter: Blah blah blah, Charlie, blah blah blah, Alice, blah, $$$, blah blah

Charlie: Ok, Alice is paid

Letter: Blah blah, Alice, blah blah, $$$, blah blah, bank account, blah

Alice: kthx

Letter: Blah blah blah...