> Then you could ask how many people can easily detect fake bills?
Most people can, unless the fake is high quality. There are a ton of easily checked security features that don't require any tool or network access. These bills do not have any of those.
> But either way, checks aren't credit even if you say it is...
If you are accepting the check, you are extending short term credit to the person who gives you the check... they are promising to pay the amount at a later date, even if that later date is only the few days that it takes for a cashed check to be settled. That is credit.
Most people can, unless the fake is high quality. There are a ton of easily checked security features that don't require any tool or network access. These bills do not have any of those.
> But either way, checks aren't credit even if you say it is...
It is a form of credit if you think about it.
It is a piece of paper that promises the payment of money from one person to another person... the technical term is "Negotiable Instrument" (https://en.wikipedia.org/wiki/Negotiable_instrument).
If you are accepting the check, you are extending short term credit to the person who gives you the check... they are promising to pay the amount at a later date, even if that later date is only the few days that it takes for a cashed check to be settled. That is credit.