Any worker whose employer has ever written them a bad check will appreciate this, especially in states where there are still no penalties or reasonable recourse for issuing bad paychecks.
Banks originally defended charging large bounced check fees to individuals who deposited checks on the basis that consumers could simply call the issuing bank and verify funds, making it their personal responsibility to ensure that checks were good. However, banks often do not allow fund verification due to privacy concerns, and it can take several days to clear a check if the issuing bank is different than the depositing bank.
This puts an employee or seller in a difficult situation: either they don't get paid, or they risk getting fees or legal charges when issued checks in bad faith.