isnโ€™t it like a debit card with extra steps? at a store I mean

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In the US, checks are much worse than paying with a credit or debit card. It is much cheaper for a merchant to take checks than either type of card, so that is why theyโ€™re usually used.

Also, the person in question might be very poor / bad with money and unable to get a credit or debit card.

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If you can get checks, you can get a debit card and vice versa. Each just relies on having a checking account.

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