People in US are often still using cheques as well as cash. Poor people (especially immigrants) often can't get bank accounts so have to pay to cash their pay cheques.

Banks over there often charge fees for accounts and provide less services overall, so things like bank transfers are not always possible, so people have to use third party providers or cheques.

US also has fun things like banks being able to change interest rates on credit cards individualy, so missing payments or changes in credit score can lead to massive increases in the interest rate you are charged.