Well, that's what happens when all the other options were invented by companies that are scheming to scam a cut of every transaction -- not to mention checks are the only way that doesn't require the receiver to give some awful private company all your information in order to get paid.
My bank doesn't charge any fees for transfers, and our EFTPOS fees are not allowed to be above what it costs the merchant. No private companies (beyond the bank themselves) have access to private information.
Btw by private info though, I just meant you need to actually create an account to use Zelle, PayPal, cash app, Apple Pay, etc. The account number isn’t as big a deal, just that it is annoying to have to make an account and agree to a 200-page EULA, with a random third party company you didn’t choose, just to receive some money you’re owed.
Yeah, one of those funny legacy things from the days when convenience and cost of storing alternate identifiers dictated designs. Just like how my SSN was printed on my school ID that I presented at the library and dining hall 20 years ago. NBD!
