I'll have a go at answering the actual questions you asked as I don't think that you have received those yet.
I have no idea if all accommodations are "legit". All is a very big word. I would say that it seems to me that the vast majority are. All and never are too big for me.
Bank transfers are very common in Europe. Checks (cheques) are nearly defunct in both England and Europe. I haven't written one in years, using bank transfers almost exclusively. If they won't take cards, and many won't, they may take PayPal.
Have you tried communication directly with the owner and saying how much you love the place and asking of they could make an alternative arrangement?
Have you communicated with any of the TA reviewers?