I rarely see anyone under 40 using checks anymore. It’s really an older generation thing and they’re stuck in their ways.
They still get stressed out about manually balancing their checkbooks too. Even though it’s an obsolete skill now and the banks keep track of all of the transactions automatically for them
Cashiers checks aren’t risky. If the bank they deposit the check at doesn’t think it’s real, they could still deposit it with a check hold.
After that you wait until either the check clears or it gets rejected, and that usually comes with a fee. So banks probably don’t mind the extra fee income