Seriously. It doesn't matter if you are still serving or not. Nor does it matter if you are Reg or Reserve. Your personal finances are yours to look after, not the CF's. Poor planning on your part, is not a failure on the part of someone else. Should the CF be on time with its Pay and Pensions? Yes. As should all government cheques: pay, pensions, EI, Welfare, Tax Refunds, etc. If any individual is so reliant on the government for a cheque to pay their mortgage, then they, the individual, did not plan very well. There are extreme cases where individuals may fall into situations due to huge medical bills, illness, etc. where this may happen, but for the most part the vast majority have no excuse to be destitute waiting for a cheque.
recceguy can attest to days gone by where CWO's were retiring from the CF and becoming janitors in the Single Quarters on base to etch out a living. They had not planned for "retirement". Then we also had follow on generations of soldiers later who lived in PMQs, bought themselves expensive cars, boats, snowmobiles, pickup trucks, and other expensive toys. Again, come time to leave the CF, they had to sell off all their luxury toys to survive. Is this the CF's fault? Of course not. They made poor choices on how to spend their pay, and later had to live off of whatever was left of their pensions after bill payments. Everyone should plan and maintain an "Emergency Fund". To have to live in anticipation for that cheque to arrive is a sad statement and reflection on one's situation.
I stand by my statement that the individual, not the CF, is responsible for their financial planning.