Share your insights or perspective on the financial matter presented in the input.

Do Americans really use checks that often?
From a Canadian point of view, I think we are generally very similar to how you describe Austria.  The only thing I use cash for, is to pay for my coffee at a local micro-roaster who only accepts cash.  Cheques, I only use to pay friends.  Everything else is debit or credit card.  Very few businesses around here will even accept cheques anymore.