[TheLoafOfBread]

USA is using cheques a lot. I believe it is some kind of combination of regulatory capture which resulted in ancient and inflexible banking system.

[paypal_woes]

I think it's because the alternatives all suck. One is PayPal. Another is Venmo, which is owned by PayPal. Yet another is Zelle, which has its own problems I can rant about if you like.