I don't have a cheque book, I don't know anyone who does have a cheque book. Paypal is not the only option, what about BACS, bitcoin, Monzo? Cheques are not free - ok they might be free to you, but they are incredibly expensive to print and process, that is not done by banks altruistically it's paid for by all of us. 3% of a lot of money adds up to a large amount, obviously, but it's still only 3% and 3% is not going to make or break anything either way. And it's even less when you factor in the cost of a C5 envelope, a stamp, running a printer...