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What will prevent a bill of lading from being a negotiable document of title?

Having a particular consignee’s name inserted on its face, i. e. not being made out “to order”.Β 

Bills of lading which are not made out “to order” will have a particular consignee’s name inserted and are therefore not negotiable to a third party, e. g. a bank or a second buyer of the goods. They are therefore similar to a crossed cheque. Copy bills are non-negotiable and should be marked as such.

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Why are some bills of lading made out “TO ORDER” instead of bearing a particular consignee’s name and address?

How may a bill of lading function as document of title?