Comment by aidenn0

I think the US/EU distinction is the main disconnect. Anyone in the US can take a (paper) paycheck to a cashing service and, for about 2% of the value of the check, receive the cash for it. They can usually walk into the office of their landlord (or property manager) and pay in cash.

I sold an RV for nearly $10k and the buyer paid in cash.

Other than my mortgage payment, I have never paid for something via a bank transfer. Merchants take credit cards and services provided by individuals (e.g. piano teacher) take check or cash.