Why do you have to cross a check?

Why do you have to cross a check?
This is called as an account payee cheque which can be only deposited into a bank account. Such a cheque cannot be cashed for money directly. Hence you can keep a track of who is getting your money. Even if you miss your cheque you can be sure that, the person who finds it cannot encash it easily. He would need to have a bank account with the name as mentioned in the cheque and hence it is much safer.