I guess the difference is: if you see a social security check for a 150 year old being deposited, that would make you suspect fraud, and so you would investigat

I guess the difference is: if you see a social security check for a 150 year old being deposited, that would make you suspect fraud, and so you would investigate to determine if it is fraud, or some obscure case where it is actually legitimate. Whereas, if the checks never get deposited, where is the fraud? Which is why I think that the undeposited check case is the most likely to “fall through the cracks”