I mean with the IBAN system, checks are pretty much obsolete in Europe anyways. It's so easy to send and receive money there, directly through your bank's app, that third-party payment apps like paypal, venmo, cashapp, zelle etc. are practically non-existent if they even work there at all (which gives me some ideas as to why we don't have a similar North American system)

I think in the US they cracked down on check fraud really hard for a while and people are basically too scared to do it now. In places where it does happen (usually rural poor areas) some (especioaly smaller) places will just not accept checks or have signs up about how check fraud is a federal crime and that they will take you to court for it. Not saying it's the best solution, just trying to provide some background.