Name one that will get the holder use of the funds in any reasonable time...
There is no way that a forgery can be ascertained over the phone or even from a faxed copy... even the actual counterfeit may fool the issuing bank. Some of these were only discovered to be forgeries after duplicates started showing up to be fulfilled at the issuing bank.
This is really a serious problem... it threatens to end the utility of cashier's checks and money orders.
You'll understand if I'm a bit vague about specific methods and practices, I hope, but it really depends on what you mean by "reasonable time". If by "reasonable time" you mean "immediately", then you're probably better served by using ACH transfers or Western Union in the first place.
This is really a serious problem... it threatens to end the utility of cashier's checks and money orders.
Ultimately, the long-term solution is to eliminate paper altogether. It's the only way in the long run - paper just makes fraud too easy.