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I am actually surprised that they cashed it the first time. Very few if any banks anymore will cash any kind of a check unless you either 1) have an account with them with sufficient funds to cover the check, 2) have lots of good id and they can verify the check, and even then most won’t over a certain dollar amount, or 3) a business relationship with them.
The policy has nothing to do with liquidity, it has to do with common sense and good business practices. Banks cannot and will not accept the losses resulting from bad checks being cashed for cash. In this day and age when people are passing counterfeit cashier’s checks banks are reluctant to take the liability.
A must have sufficient cash on hand to meet what is considered every day needs, at any give time any bank will have more cash on hand than you are or ever will be worth. If they don't, the FED and comptroller get very upset, and fine them. They are not, however in the business of handing out free samples.
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