KarenRei wrote:Haha, checks. I find it amusing how most Americans have no clue how backwards their banking system is that so many people have to use checks. Here you can't even *get* checks. I mean, what a stupid concept, a non-verifiable piece of paper that the user can write for an arbitrary sum? Can you say "just asking for fraud"?
Can you say Argumentum ad ingnorantiam?
Can you say, "I lived in America for three decades"? Oh, wait, your entire argument was premised on me not knowing anything about America, sorry about that!
Checks use MICR ink, and fraud (using legitimate checks) can be verified post facto through signature analysis, although the case doesn't often get that far.
Right, which is why check fraud isn't estimated at $20B a year in the US. Oh wait it IS estimated at $20B a year in the US. Not counting checks helping enable other types of crime, like return fraud.
So, enlightened Eurotrash, does every landlord, independent tradesman, and, frankly, every private citizen have some sort of EFT account and carry card-swipers with them?
Practically every business, actually (those little portable card readers are everywhere), even remote places, but that's a side topic. (I was going to insert a region-based slur here in a tit-for-tat for yours, but after thinking about it, I decided that "American" is enough of one
No? So you have to use cash, eh?
Like I just told you, we use instant bank transfers. Were you even reading, or were you so eager to write uninformed insults that you didn't even take the time? You can bill me to my bank which then shows up in my unpaid bills section (which I can then pay just by clicking on it and punching in my code), or I can just send you money directly. All you need is a computer or smartphone. Cash is less used here than in the US. Heck, I just sent someone about $70 today - a friend was going to the doctor but didn't have enough money for the time-of-service copay, so he messaged me on Facebook and I sent him the money.
Because we have all the same bill-paying technologies you're talking about here in the USA.
As I mentioned, I lived in the US for three decades, and no, you don't have anything even close. You do *not* have a system where anyone can freely send anyone else in the country any amount of money instantly, automatically, digitally with a full certified transaction record, without the need for any special hardware any more significant than a computer or smartphone, plus having integrated into it a single system for all billing and bill-paying of all types for all purposes along with digital documents for all of the above in the same system. It simply doesn't exist in the US. Which is why you're stuck dealing with fraud-prone and horribly inconvenient checks.
Get over yourself and accept that other people can do things better than you.