Why is the velocity of money in an economy affected by the frequency in which the worker is paid (like weekly, bi-weekly, monthly, etc.)? I don't have any economics background, and was going though a course on Macroeconomics. I was solving the practice question here: https://mru.org/practice-questions/causes-inflation-practice-questions?sid=2719557

The last question says:

The velocity of money is affected by which of the following? *

a. How quickly the treasury prints new money.

b. If a consumer makes purchases with large bills or smaller bills.

c. If workers are paid weekly, bi-weekly, or monthly.

d. If a consumer uses a payment plan to purchase something or pays outright.

The answer is c. I cannot understand why does the frequency of payment matters. Also, if c is correct, why is option d wrong?
This is because by definition velocity of money is basically how quickly people spend money they get. Hence any factor that causes people to hold money holder decreases velocity of money and vice versa.

The frequency people get pay might affect how quickly they spend money. For example, if you are paid quarterly basis you will probably be more conservative with your spending to make sure your money lasts for whole quarter (extreme example just to show the point) then if you are paid on monthly basis and you will be even less conservative with your spending if you get paid every week or every day.