It's mostly because Japan is bad at web technology and APIs though. They also love gratuitous complexity; you've seen their websites and how every page is covered in stuff, but the URLs themselves are less like "youtube.com" and more like "blahblahblah.bsd.unix.nicovideo.jp/several/tech/buzzwords.jsp".
Asking because I had a bank account for almost a decade now, and I only had to use the checkbook twice, and it was pretty niche use-cases. I still have the same checkbook that I got back then, and I think I won't be able to go through the entirety of it even in multiple lifetimes.
Cannot comment on how widespread the usage of fax in Japan (since I haven't lived there myself), but, from what I heard from other people, you pretty much need to have access to a fax machine.