Is it just me or are cheques still the best, cheapest, most secure, and generally universal way to send money from one person to another?

I’ve been thinking about this a lot the past few weeks.

• Assuming all parties have a bank account, you normally can get checks for free or some nominal amount.
• Checks can be deposited via a bank’s mobile app.
• They don’t require you to download a separate app.
• You can stop a check by calling your bank
• Since your money doesn’t leave the bank, it’s FDIC insured

Yes I know that the MIRC line isn’t secured but your account is still protected by the bank for any fraud. You don’t get those same protections from venmo or cashapp.

The closest I’ve seen is zelle but not every bank supports it.

Every bank supports depositing in a check.

Idk…the recent Google cloud account deletion was pretty permanent. The company was lucky enough to have a backup on another cloud, which is why they aren’t SOL right now.