So, to unpack this a bit, the elephant in the room is that Banks still wait days for a check to clear (hello BOA) when we obviously have the technology to check

So, to unpack this a bit, the elephant in the room is that Banks still wait days for a check to clear (hello BOA) when we obviously have the technology to check (no pun intended) if a cheque is valid incredibly quickly. So people who lesser means resort to gift cards, amazon cash, etc.