BBob, you act as if you live in a place where there is never a crime. Have you ever heard of check theft, from Social Security to IRS check? Sure the guy who did is criminal but good luck catching him. And good luck asking the WMI trust to issue you a replacement check and track the stolen money.
So when you have a check from someone else and you sign behind it "Pay to the order of YOU", you can cash it at your bank. Sure the bank knows your identity but so what, if you are a criminal then you will be gone and good luck for the police to find you.
Remember that the trust will be close and gone after all money have been distributed, 3 years MAX.
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