Surprisingly, institutions do at least sometimes check that there's something on the signature line. I had a car registration renewal returned recently because I forgot to sign it. Given that my signature is a totally illegible scrawl, I don't see what good it does but we still pretend that what might as well be just an "X" for a lot of people actually means something.
And it can indeed be just an X. It displays intent. You placed a scrawl on the line to signify your intent to agree to/abide by whatever's on the paper. Without that intent, they assume you made a mistake.
I think it's better than blindly taking any paperwork without "signatures" on them.
What I'd love to have, for this purpose, is a signet ring with a stylized version of my initials on it.
If I need to sign something official, I'll pull out an stamp pad and a bottle of ink, soak the pad, press my ring into it, and then slam my hand down on the paper ring first.
That's the norm in Asian countries like Japan: https://en.wikipedia.org/wiki/Seal_(East_Asia). They even have different types of seals that are used for just plain signatures and more important things like loans.
That's fair. It is something of an indication that "Yep. This is final." It's a bit silly in the case of a check that you have mailed but it's not a completely unreasonable practice in general.
I had a buddy who would always "sign" receipts by drawing little doodles on the line. A different doodle each time, ranging from simple to elaborate, from decent to obscene, but always comical.
