> When receiving one, in most places it can be deposited by just taking a photo, doesn't get easier than that. Most importantly, I don't get to be another victim of the "$PAYMENT_PROCESSOR froze my account and stole my money", whether it be paypal or any of the other ones.

If only there was a way for people to transfer money from their bank to someone else's bank... They could call it "bank transfer", and it would solve all these problems!