I guess it's because in general it's hard to be on time. If you rely on public transportation (I do) most probably you either arrive early or arrive late. So you ask yourself: do I want to wait for others 20 min. or do I allow myself to arrive late 5 min.? So, I usually choose the latter. Obviously if I can arrive 5 min. earlier and wait for others, then I will choose that.
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I guess it's because in general it's hard to be on time. If you rely on public transportation (I do) most probably you either arrive early or arrive late. So you ask yourself: do I want to wait for others 20 min. or do I allow myself to arrive late 5 min.? So, I usually choose the latter. Obviously if I can arrive 5 min. earlier and wait for others, then I will choose that.