[lxgr]

> Maybe they don’t have the actual funds yet but want to write a check against funds they expect to have soon (risky but people do it).

It's not risky at all when using "overdraft protection" via a linked savings account.

And why would I want to not receive any interest while a physical object representing the payment (I'm still not over how bizarre that is in 2025!) is making its way to the payee in the mail?