I mean, its not all that common. I don't get checks that often, almost everything is handled electronically. But checks are still a way to distribute money phys

I mean, its not all that common. I don't get checks that often, almost everything is handled electronically. But checks are still a way to distribute money physically that isn't cash, so it serves some purpose. Most Americans (especially those under 30) do not own a checkbook and don't know how to write a check. That is part of why this scam works. 20 years ago Checks were common enough that every adult understood that Check's aren't real money and people would be more cautious until it clears. But the fact that now everything is instantaneous, Checks are maybe the last exception to that. So someone with no knowledge of checks might assume that it is "real" money. I think few people understand the differences even between a cashiers check, a personal check, and a money order. Luckily Banks are more aware of these scams and tellers have been trained to ask A LOT of questions about wire transfers before executing them. It sounds like in the posted article, that OP actually got a warning about this from the banker how this is non-reversible. But again, even OP admitted that he had never completed a wire transfer before. I've only ever made 2 wire transfers in my life (and I'm 36) and both were to buy a house. Few Americans have complete a wire transfer and probably don't understand the implications of it either. So I think this scam actually preys and relies on the fact that little knowledge exists of wiretransfers and checks.