I don't think you realize how easy and secure things are in Europe.
Yeah you just enter your recipient's IBAN in your 2FA banking app, and that's it. The transfer gets processed in about a business day.
If you want the "check" experience, you can also fill out that information in a form and hand it to a bank teller.
Yeah and that's the "old" way. We can do it even faster here with local bank transfer, and then instantly with Swish.
We barely have bank outlets let alone tellers here though. That's the downside. Trying to deposit cash or check is quite painful.
They are slow. That's the point.
They are essentially a two factor method of instruction to your bank. Legally (in Britain at least) one can use any reasonable method to give instructions to ones bank. Banks that want to "phase them out" because they are "too expensive and slow" are derelict in their function and should be hauled over the coals by trade and industry legislators.