E.g. Create a system to digitally scan a shared thing describing a transfer, but instead of using a standard QR code, keep using cheques.
You appear to have not read anything above your comment. I can't do a QR code by hand. I need a printer to produce one. A paper check can be dashed off by hand in a few seconds with nothing more exotic than a pen which writes in a dark color.
Or Adopt a system that finally eliminates the use of unsecured magnetic stripes on credit cards, but then keep the completely unsecure signature for verification.
We haven't even eliminated magstrips. We still have them around for backup. An attacker can disable a chip reader by making a special card that applies epoxy to the contacts when it's inserted, which you can do with e.g. a dremel, forcing subsequent users to fall back to the strip.
It's like a competition to see how close they can get to a good idea while still fucking up the implementation.
That's the US for you. Electoral college, scotus with no term limits, yada yada.