Checks are the last refuge of those who can't get or keep a valid working credit card. Usually it is because they have no money and don't pay their bills, they've already 'bought' a lot of stuff and can't pay the credit card bill. Chances are this woman wanted to write a check and the verification service determined the check would not clear. I hope she personally has to pay for every dollar of damages she caused - her auto insurance surely will not be liable. Take her car, her house, and the $75 in her checking account for starters.