Look at it this way - banks will continue to support check payments for the foreseeable future, and checks violate every single security best practice by today'

Look at it this way - banks will continue to support check payments for the foreseeable future, and checks violate every single security best practice by today's standards. The infrastructure to support checks without fraud burning everything to the ground was built up over centuries and works fairly well, this infrastructure works and has been extended to deter electronic fraud - so why waste time on technological navel gazing?