I've had e-transfers just disappear on me. Sent a friend a few hundred bucks I owed him. The money got debited from my account, but he never received the e-tran

I've had e-transfers just disappear on me. Sent a friend a few hundred bucks I owed him. The money got debited from my account, but he never received the e-transfer email. Called my bank, they said the money was sent and there was nothing they could do. Called his bank, they said the transfer never appeared and there was nothing they could do. Eventually it got refunded into my account after like a month, but imagine if I was living paycheque-to-paycheque and I was sending off rent. Other times, I've had e-transfers delayed by a few hours. This is fine if I'm sending off rent, but what if I'm trying to buy something off craigslist? I can't exactly hang out with the seller for a few hours waiting for Interac to get their shit together. This isn't an email issue: Interac acknowledges that transfers may take "up to a day" on their site. Further, e-transfers cost money to both send and receive at most/some institutions, while cheques are free. E-transfers also can't be scheduled in advance like post-dated cheques can. Cheques may be antiquated tech but they're still very much useful for certain applications.