...stray tools forgotten in the airplane after assembly, metal shavings close to cables... yeah, I read those articles too. However, the fact that the Iranian authorities already concluded that the cause was "engine failure for technical reasons" seems a bit suspicious.
The plane could have had a defect. The parts could have had a defect. Maintenance could have caused damage.
Or, the machine was perfect. It just hit the wrong number of birds at the wrong angle. Or experienced one of countless random errors that can take down a good plane.
Cheques are being phased out in New Zealand this year. Almost no one uses them here anymore. It's all electronic, online. Zero fees for bank transfers.