Checks are, quite literally the least secure mode of non cash transacting. Yet the banking system is built in a way that checks are often either the fastest way

Checks are, quite literally the least secure mode of non cash transacting. Yet the banking system is built in a way that checks are often either the fastest way to get someone money, or the only way certain merchants accept payment. This technology should have been sun-setted years ago, and wire transfers should be free and instant.