I haven't used checks in my life and all but what will happen if someone steals your checkbook and writes himself some checks? Can you call the bank and have your money back?
Luckily I have not had to deal with that and see who covers it. I've been lucky and never had problems with check's.
This will make me sound old but checks at a time were very common to use. Paychecks, government checks a lot were shipped on a certain date to arrive at houses. Well bad guys figured out on day's that normally had checks come in... go to mailbox they are in secure envelope so easy to tell.... they then washed recipient's name and changed it to theirs. They were able to cash checks and it was check fraud.
But now everyone has moved to direct deposit on almost all payment's. Have not heard of a check washing scheme in a while. I don't know for a fact but I'm guessing they cleared until owner of account saw on statement on some, but again could be wrong.