What if your 73 year old uncle said this?

[Generic Brad]

57. Huh?

Making excuses for Trump? I've considered him nuts since the 1990's. I was only pointing out how things that do happen in the real world could factor into the imaginary situation you presented. Your original post also said nothing about check policy - so you have just moved the goalposts.

I was not trolling you. I work with checks all day, so my mind goes to payment systems, merchant relationships and customer complaints immediately. When there is a lot of check fraud in an area, some small businesses do ask to see IDs and abruptly change their check acceptance policies. If I automatically disregarded every complaint, no matter how seemingly absurd it sounded, I would not have a job.

If you want to tell an expert he does not know what he is talking about, that is your prerogative.