The article does acknowledge the existence of real fraud. It distinguishes it from honest errors. It goes on to point out that sometimes institutions (financial and state) sometimes fail to adequately distinguish the two.

Maybe it could have included more on bona fide fraud. But it doesn't contain an assumption that true check fraud is non existent. And it certainly doesn't devolve into any sort of rant.

A rhetorical technique you should use is to put your most important point first.

You can go even further and not include the parts of the review you don't think are important

As a change

> The article downplays the historical impacts of cheque fraud, which were resolved by electronic payments, see source[0] for more details