Speaking from only my own personal experience.
For a couple summers I traveled from track to track with a stakes colt.
Traveled with the horse in a nine horse van.
Lived in the shed row or tack room.
A different city and track every ten days or so.
It would have been near impossible to cash a check without the tracks help.
I totally agree with you and I must tell you I have never been to one track in California that refuse to cash a check for me.
Many times horsemen are racing from State to State so I just cant imagine a race track not willing to cash a check for a horsemen or employee if they work or are stabled their. Seem strange that a track would issue a check and then not be willing to honor it.
Its like signing a contractor and then you find out the guys signature is as worthless as his word.