As most of the time the cheques are issued to account holders, why not have A/C payee as a default option on all the cheques? If some one is using it the other way then he can strike it out. Writing out a cheque will then become a bit simple.
I wonder how do the tongue and teet synchronize their movements? What kind of feed back mechanism exist between them, so that teeth don’t step on the fleshy tongue ? This I am thinking after I bit my tongue Ouch….