The day it happens to you, and your account is drained and the bank says they have to investigate and it will take 14 to 20 business days to get your money back if they find you were not at fault ... you will be going back to mail right quick ... and throwing away your bank debit/credit card.
That was one of the worst times in my life. We were lucky to have a saving account in another bank to live off.
Nothing is secure, anything can be hacked. Thieves are too lazy to steal mail and “wash” checks so it still is the best way to pay your bills.
You couldn’t live for three weeks without access to your checking account? That’s more of an issue, don’t you think?