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I've done this myself many times. No one wants a check (especially not a probably-fake cashier's check) and no one wants to take the time to go to a bank, and why does the bank need to be involved or aware at all.

> and why does the bank need to be involved or aware at all

In the EU you can transfer the money instantly using your phone.

Not that I agree with the ban but a lot of the issues people are discussing here are only relevant in the US (checks? lol.. what is this the 60s?)

You can in the U.S. as well, with the security nightmare that is Zelle.

Doesn't even have to be rural America. I bought my car for $6000 cash off Craigslist, and I'm in the bay area

Done this for over 20 cars, not rural, or old. You sound like you have never bought a car without a loan.