I disagree, especially for what the linked article is talking about. Suppose a business or individual accepts checks and electronic funds transfers for payment

I disagree, especially for what the linked article is talking about. Suppose a business or individual accepts checks and electronic funds transfers for payment. Are they going to apply their prior probabilities (your various -isms such as racism, etc), in regards to whether or not the payment will actually be successfully received? Whereas an instant payment and confirmation via the use of internet and databases alleviates this motivation to discriminate.