The only problem with the face to face for checks is finding people who would be willing, short of having a tank batalion with them, to hand them out. There used to be a commentary in the inner cities years ago: My lady is coming on whatever date. “My lady” was the welfare person handing out the checks. “My Lady” today would need to be the equal of an infantry platoon.
Not if the recipient has to come into the office, say for monthly drug testing.