yes you can strike it out... so only the named person can cash the check

no need.....this is bit historical....

now, all cheque, on top left hand corner, sure got printed "a/c payee only" which mean the person name in the payee on can cash out the cheque

last time, no "a/c payee only", either you need to write yourself or chop. If don't write/ chop, and not cross out, whoever get hold the cheque can cash out.

Example, the cheque payee is Ali and not cross out, but, Muthu found it, so, Muthu go bank it in his account. Muthu will still received the money. Now, cannot jor due to account payee only, regardless whether need to cross out or not.