? For those who have recently bought or sold a vehicle

Go to the bank the person has funds in. Open a bank account and swap it right there in the bank to your account. Never step foot outside the bank with cash.

Do a transfer to your regular account when you choose.

Wire transfer is great too.

There is a ton of fraud with cashiers checks unless you are right there to see the transaction, personal check (nope), cash (lots of counterfeit bills now).... Figure out a method you are good with.