I think mostly the latter.
The days of mailing checks in the mail are over. I had one ; checked washed from NC Dept of Revenue for $450..changed to Joe Blow for $5450. Such a bad job the bank wouldn’t cash it BUT… now they got the routing code / account number off the check. It wax an inside the USPS job; certain addressees scream a check inside. I’m down to ZERO checks. Don’t do it !!