Check? What?
"Contrary to what banks say, writing checks really isn't that much of a hassle, at least if you don't write that many of them."
You're lucky to live in a country where that is actually an option. Many, including the one I live in, have banking systems that have jumped straight from being cash-only to all-virtual without stopping at the check/cheque on the way. And all the banks here are owned by multinational banking houses, too.
As to evading systems... my local bank sends a unique session code to my mobile phone whenever I want to do anything on my account. This means that anyone wishing to impersonate me and do more than just look at the figures must have my certificate (or access to a copy), AND my password, AND my mobile phone SIM card.
I was one of the first people to browbeat my local bank into allowing me to have online banking access - it was so new back then that the branch staff didn't have a clue. The only time I've had problems since was with my UK bank paying out to someone who'd hijacked a trade website I did business with - and even then they refunded both quickly and without quibble.
Of *course* any machine used for online banking purposes should be swept, cleansed, detoxed and whatever on a very regular basis indeed - but that's true whatever the operating system. I'm no great fan of Windows, and certainly not of Microsoft, but blaming the OS in this case is just ridiculous. So I shall use the rarely employed St Bill icon in revenge!