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I had most of my bills set up on auto-pay. Figured, hey, I don't even have to worry about it now as long as I keep enough in the account. That used to be easy to do.
These days not so easy.
All those personal details together with a copy of your signature! Perfect for identity theft.
Is there a week that goes by that we don't hear about another company being hacked or otherwise being breached for X million customers? These are only the ones that we hear about.
I assume that I have already been completely breached but just not used yet. I keep minimum amounts in checking and savings, parking money in CDs and other instruments that are less liquid and less accessible. Run my credit reports on a fixed schedule.....only so much one can do. Check is no more risky than the risk on any other method on any other bill. I pay many bills. There are many potential points of failure.