*sigh* Checks are a terrible, insecure, wildly abused legacy technology. We would never choose to create a check-like system de novo. But if you stopped accepting checks, the world as you know it ends. And that is a very important argument that they actually work, warts and all.https://twitter.com/SwiftOnSecurity/status/1037320472504033281 …
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Maybe "honor system" isn't the right phrase. There aren't any technical measures preventing someone with access to either system from saying "Patrick is giving me some money" and getting said money; the countermeasures are social (you notice and complain).
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Similarly to email, while it may appear that there are no technical measures preventing an untrusted peer from asserting that they are Patrick and attempting to transact as him, your statement would surprise an awful lot of people whose work is technical in character.
End of conversation
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