> 90% of the cheques I write now are to pay for chinese food on delivery 
> when I
> don't have any cash ;-)

Yes that could be useful, here you just need to make sure you have the cash 
before you order!

Actually I bought a new bike a few weeks back and tried to pay for it with 
my bank card.  But the bank card did not work for that sum of money (even 
though I had 3-4x that amount in my account), so I had to pay half on my 
bank card and then promise to transfer them the rest later to their account. 
(Of course being a typical German shop they didn't take any credit cards 
either...)

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