Interesting discussion. I tend to agree that the fake checks will have very little effect as far as getting people out. (Although, if it gets one person out, it's worth it IMO.) The people who see apostate activity and get even more "resistant," are more or less bullet-proof to begin with. You never know who is going to start thinking, or what it will take to make them start.
Marilyn, you had a sticking point, and while that thing that got you out may be meaningless to someone else, it was "the thing" that worked for you. My "thing," when I talk about it, has made no impression on any ex-jw I've ever told, but it did make me start to think critically. Maybe this check is the "one thing" that someone needs.
But more than that, the paranoia it could cause will have repercussions down the road. How do you think the elder body feels when they know nearly every single person in attendance at their small congregation, yet they find this deliberate apostate activity? Yes, it's "in your face," but you know they are losing sleep over which one of the congregation is secretly going to subvert the faith of others. I've heard the paranoid special needs talks that take place after the apostates pull off a "stunt." Yes it makes people fearful or disgusted, but it also makes them suspicious, it makes them really show their lack of love.