So I have to go to the bank, prove who I am, have my ID checked, have the cashier produce a check, have it signed, have it countersigned, send it to the other person, they have to take it to their bank, have it checked by their bank, arrange with yet more third parties to actually transfer the funds, the list goes on. That's a lot of third parties who need to agree to the process, any one of which could decide to deny my request.
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Only if you are looking to get cash or cash equivalent. One of my clients routinely logs into online banking and sends out 7 figure payments to people.
Needs a 2FA dongle thing and a username & password and can ACH money in 5 minutes and it's in the recipients account later that day. Wire transfers around the world are the same.

If I had it I could do $500k without even calling my bank, I remember laughing when they said that was my limit. I'm just $495k short of that at the moment so I can't really test it, but when my friend sold and then bought a house there were no checks or anything else. All online and both transactions were in the hundreds of thousands.

-Dave