America is the land of opportunity for all those wishing to get a piece of the America dream, to which for some people, as a matter of course, they will let their desires and their greed to get the better of them. It isn't surprising that so many people get caught up into scams in America, as even the government, with its State lotteries, sells the illusion, that any sucker, can strike it rich, if they just pick the right numbers on the right day. When it comes to cashier's checks it used to be that cashier's checks really were as good as cash, as by definition the bank that the cashier's check was drawn upon, guaranteed the funds behind the check issued. While, technically that is still true today, the problem is that in our hi-technology world, the means to create cashier's checks that have the look of the real deal has never been easier and to the uninitiated these fake cashier's checks look very real. Further to the point, bank tellers aren't paid very well, and typically aren't overly concerned about the legitimacy of your cashier's check, except perhaps to inform you, that the cashier's check may take a few days to clear your account, which to those expecting that their cashier's check should be treated as if it was cash, surprising. To make matters materially worse, cashier's checks, along with other various bank checks, may indeed become available within a business day or two as funds that you now have direct access to, signifying in your mind, that the check has cleared, even though, technically it hasn't. In any event, even if a fake cashier's check was to clear and to become a firm deposit in your account, once your bank discovers that they have been deceived, they will immediately take and have the right to extract the funds back from your account, and, if for some reason, your account balance does not allow them to do so, they will come after you, for the funds, and possibly for check fraud, a felony.
Unfortunately, for too many people, the allure of what they believe to be an actual cash instrument as in a cashier's check, even under suspicious and strange circumstances, like, for instance the "cashier's check" being made out for an amount larger than what is properly due, is too enticing to walk away from. Then too there are situations to which as part of your due diligencewith the transaction you are conducting, you only are willing to accept the cashier's check with proper ID and so forth, never suspecting that both the cashier's check as well as the ID, are actually clever forgeries. All of this is deeply troubling, especially when you are being fooled by people that come across to you as being very polite and professional.
They say a sucker is born every minute, to which, mistakenly, most people do not consider themselves to be susceptible to being that sucker. So too, a fool and his money are soon parted, especially so when the fool believes that he is getting over on someone else, only to find out that it was he, that was being played all the time, by that sweet siren song of easy money for nothing.