That's how they are used in the US too, if you look at things a bit askew. Other payment methods work fine and are widespread, so the vast majority of uses of

That's how they are used in the US too, if you look at things a bit askew. Other payment methods work fine and are widespread, so the vast majority of uses of checks are by people who have confused ideas about how they work (they prefer the ceremony of writing a check compared to the effort of understanding), or in particular circumstances where they were used traditionally and maybe satisfy some antiquated legal mechanism (almost a literal ceremonial money transfer).