One of the problems is that people don’t want to take responsibility in volunteer organizations any more. Everybody wants to be a “co-president”. They don’t want to be bound by by-laws and often they have only one signature required on a check because “it’s easier”. My daughter is struggling with this as an officer of a band boosters group. Add to that a band director who thinks that the funds are his personal piggy bank, and you have trouble.
Municipal clerks are a whole different matter. People frequently pay fines and license fees in cash which is easily pocketed. I live in an area of small cities, towns, and villages. I think that every one of these municipalities has had a clerk arrested over the past 10 years, including my own city which not only lost a couple of clerks but also lost a fire chief whho embezzled a larger sum from a relief fund for injured fire fighters. He blamed a divorce and alcohol dependency!
Checks are processed electronically these days. I am the treasurer for a local chapter of a nonprofit organization - the bank told us we could require two signatures but they could not promise that they wouldn’t cash a check with one signature.
This particular bank will not issue a debit card on a nonprofit account. There are some other chapters that have debit cards.