And what happens if they transfer money to you via debit online in real time, and then _that_ turns out to be fraudulent. Does the bank that paid the money to you get it back from your bank, or does it eat the cost?
Note that, when we're talking about a fraudulent cheque, and it being clawed back, it's already been cleared by the source bank. As such, there is no longer a difference between the check and a real time debit.
Approximately nobody uses any checks in the EU countries we are talking about here. (And I don't think those accounts would come with a check book. That's something you specifically have to ask for, and might come with a credit check.)
