I feel like a lot of this is rooted in some assumptions that are not being said aloud that you may not even be aware that you have. This is no in any way an att

I feel like a lot of this is rooted in some assumptions that are not being said aloud that you may not even be aware that you have. This is no in any way an attack on you - I find this entire thing absolutely fascinating. I've seen a check twice in my life: One time and old lady tried to pay with it, when I was working as a cashier - I had to call in help, as we were no longer being trained in how to accept them. The other time, I had to get hold of one when I was studying in the US, as I had to pay some fee that was only payable by check. Took me a month and cost me $30 to convince my bank to help me with it, as they told me they weren't sure they could even do it - they hadn't done it in years. For context, I'm from Denmark. First of there's absolutely nothing secret about our account numbers. All they can be used for is for transferring money _to us_. No one carries cash around. Ever. Anywhere. I have not paid anything by cash in at least... I don't know, 10 years? 15? It's mostly used as gifts. Taken out of the bank, handed over, then carried back to the bank. Basically all banking can be done online or via app. The only time I visited my bank was in regards to my mortgage, and even most of that was handled by email. If I want to do a direct deposit / bank transfer, I can just log into my app and do it. Takes maybe 1 minute. However these days, most private transactions are done using an app called Mobilepay. Nowadays every single person has it. It's completely free to transfer money for regular people. You can also set up a business account, which I believe may carry a fee but it's minimal (just checked, 10 cents pr transaction in the priciest tier - roughly 4 for the cheapest). For something like a woodworking business, the way to handle business-to-business transactions, you would probably go with something like an invoice. That's usually completely automatically handled by (free )software, and would only really require the other persons email to get started. The other person receives an invoice with (for example) a direct deposit address and an amount. The transfer is free and require no setup from the payer. Internet access is everywhere and incredibly cheap. As en example, 6 GB and 6 hours is $10 a month, unlimited data and hours is roughly $20 a month. Check bouncing is not a thing. You can verify the payment before you deliver the service. Mobilepay payments are instant - I get a notification on my phone that I have received the money as soon as the other party finishes their transaction.