Patrick does not mention that a primary reason even the "banked" use check cashing services is that deposited funds are trivially legible for the purposes of attaching court judgements, particularly child support. Cash is far more difficult to trace.
The visibility would also come from paying child support via any kind of bank transfer? It's only the cash that is difficult to trace (and requires people to actually meet, which seems another big downside in the child support payment scenario).
At least in poland, the standard measure from simplest payments to settling overdue debt between companies or to government, is "bank confirmation" - a printout/pdf from a bank declaring that a transaction with those details was made at this time.
How so? The court issues wage garnishments, it gets taken out of the check directly. This might help people paid under the table or in checks from clients but I think that’s a small cohort.
I have no experience with this but my understanding is that they don’t go straight to wage garnishes (which I’ve heard the bureaucracy is slow to handle in situations where the garnished individual moves). That happens if you don’t meet payments as required.
