Yep, exactly so.

For notes especially I find the digital version preferable because it is automatically archived, searchable, and readily accessible across all my devices.

Electronic transfer through online banking, or a debit card (may well be followed with a call from the bank to verify, though it's years since I've done this).

Visa's debit card limit on Denmark seems to be 100,000 DKK, roughly 13,000€. There's no limit with the national system, Dankort.

Not the person you're replying to, but the bank payment system in Europe is waaaay better than the US; nearly all four- and low-five-digit sums in the last 20 years I've paid for with bank transfer.

Credit Card, Debit Card, or Bank Transfer.

Faster payments [0] is pretty much instant. Some banks have lower limits, and CHAPS[1] is same day and unlimited. I used faster payments for buying a car, and for paying a house deposit. My bank transferred my mortgage via CHAPS.

[0] https://www.starlingbank.com/resources/banking/guide-to-fast... [1] https://www.hsbc.co.uk/current-accounts/what-is-a-chaps-paym...

Many people in Switzerland love to buy used cars with cash, even if they cost a few thousands.

(But we can also just scan the QR code of the recipient's bank account with the e-banking app and initiate a transfer that way.)

You paid for your home with cheques?

wire transfer, or walk into the bank and have them create a cashier's check

and a normal check is the same as an ACH transfer, so I will do the ACH transfer

or lawyer's escrow

and every other larger transfer has been cryptocurrency in my life, its been over a decade of that unlimited amount, zero scrutiny, 24/7/365 option

(I've tried various other country's and international system transfers, and the convenience is completely over-embellished, and limited to small amounts at best. and yes, I'm talking about instant SEPA in European banks. A lot of people don't have balances in crypto currency so it would just be more inconvenient for them to get into that system)

but the only time I'm personally using checks are because a new employer's HR system wants me to write VOID on a physical one, and I've opted to photoshopping a template with my account number and routing number, because checks are the same as an ACH transfer, and they could have just asked me to copy and paste those numbers into a input field

The average American does not have a "my lawyer" either. Not sure where you're getting "most middle class Americans" from unless you're extrapolating from pop culture. I think it's common in movies and TV dramas for characters to refer to "my lawyer" in situations in which there is contact with law enforcement.

> most middle class Americans seem to refer to "their lawyer"

I've only run into this among the so-called "upper middle class" here (e.g., physicians making $500K+/yr) and even then it's pretty rare.

Not an American but have been involved in lots of US legal things for a charity. Generally "their lawyer" refers to a lawyer (solicitor in British usage) who is 'on retainer', which means that the client either pays a monthly fee to secure the lawyer's availability, or has a deposit with the lawyer which will be drawn from if legal assistance is needed.

Funnily enough, Americans do not use the term solicitor; that's reserved for lawyers working for the government!

It's not normal for Americans to just have a lawyer ahead of time. But then again it's also not normal for most Americans to routinely get themselves arrested at "protests". So if you're going to engage in activities that are likely to get you into legal trouble, you might find yourself a criminal defense attorney ahead of time. In particular, organized "protests" often have legal assistance from sympathetic lawyers.

It is possible to have an attorney on retainer though, either as a consequence of having hired that attorney in the past or as part of a subscription service.