I could be wrong, but I believe that when someone tampers with or fakes a USPS Money Order, it's a federal thing. It seems like my bank is very willing to cash one on the spot, too. I really ought to ask them about that.
Zelle is a great way to transfer money. It's lightning fast and costs nothing.
Paypal is an absolute NOGO as far as I am concerned. Those [bleep] let a Chinese merchant hold me down and [bleep] me til my ass bled. I will NEVER deal with those [bleep] again.