I treat crypto transactions differently compared to how I treat banking transactions. I know when I go into business with someone, they might just have a specific bank account which could either be attached to their name or that of their business name, which I can easily send them money in case of an emergency without even reconfirming the account. No matter what, they can always get access to the account; that's what makes banks centralised.

But in terms of crypto, even if I am to send payment to the person more than once in a week, as long as they don't state that this is a permanent address, I will always ask for permission before I send because any loss incurred by such a mistake can easily be on my head.