Ouch. yeah. I do use checks, and those also have unpleasant fraud implications, but it seems like the response to such fraud usually turns out better with checks than with wire transfers. Most people I've heard about who have had people steal money through bad checks just had a big mess to deal with[1], while most people I've heard about who had money stolen through wire transfers actually lost the money. Just my impression from hearing about different folks complaining about it.

[1]http://sunburn.stanford.edu/~knuth/news08.html

"I cannot in good conscience continue to traumatize the people at my bank, who obviously have plenty of other things to worry about."