Spreadsheet templates are used for many reasons and each template vary according to the purpose it is used for. Spreadsheets are designed with different calculations depending on various needs.
One user at a time : In the instance where there are a number of people required to work on a spreadsheet, they can only access it when no-one else is working on it.
Size limitation : When a spreadsheet is first constructed and tested, the size tends to be small. However, as the spreadsheet grows with more and more data, it start slowing down, until it reaches that point where your feet go to sleep while you waiting for the re-calculation to finish.
Financial templates are highly complex and they deal with very large and advanced calculations. These spreadsheets are used in mortgage, loans, and property investments and so on.
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