Oh yeah, I have an old checkbook that I've had since like 2010 because the only ones I've ever used are for random landlords. Otherwise it's literally easier to get a cashier's check, which you can (in America) do at any bank or grocery store. Note that some are free and some aren't, so check beforehand. I don't think these will ever really go away tbh
I think they will, America is just very traditional. Things tend to stick around for longer. The magstripe also lingers there even though we've got rid of it for years (though unfortunately our cards still have them in case we need to visit the US - I don't like having them because they are skimmable).
Nobody would accept a check here anyway as they're not guaranteed. These days I pay with my watch or phone everywhere (Samsung Pay). I don't even use the chip on my card anymore. And payments between people happen digitally too (a system called Bizum here in Spain).
Maybe, but these some big utility to cashier's checks. They're essentially cash that can only be deposited by a specific party. I also don't think cash is going away anytime soon. And while it isn't common for me to issue a check, it isn't uncommon to receive a check. They're just always form businesses. Even ones that have my direct deposit information.
Fwiw, in America I use my phone to pay for everything too. But there are edge cases and tools like these often have utilities in domains that might not be common to the average person but are to specific groups. For example, these are often used in situations where cash is preferable but you wouldn't want to cary that around, like real estate down payments and buying a car. Some settings are sensitive to the exchange times (though that money looks like it is in your account instantly, it isn't).
I just wouldn't be so quick to make such a conclusion because it's pretty likely that your experience is not general. Despite America treating corporations like people, I'm pretty confident you aren't a corporation.
> Nobody would accept a check here anyway as they're not guaranteed.
Btw, a cashier's check is. Like I said, it is as good as cash.
