That 38-per-year number seems ludicrously high. The last time I wrote a check was five years ago, for an earnest money deposit, and I don't know anyone who writ

That 38-per-year number seems ludicrously high. The last time I wrote a check was five years ago, for an earnest money deposit, and I don't know anyone who writes them much more often than I do other than a few elderly people, who still use them as their primary means of payment.