For one thing I'm not giving someone I don't know my bank account number for a wire transfer. What's so hard about going to the post office to get a money order?
+1.
Everyone should have at least one public-facing bank account for wire transfers, etc.
I have 11 bank accounts. When a wire hits my public account, I immediately transfer the money to an “internal” account that cannot be accessed by anyone - meaning it has no debit card or checking account attached to it. It only exists at the bank.
The public bank account never has more than about $10 in it except for when I receive a wire or prime it for an outgoing wire.
