Does my friend traveling from Ghana need to have $10,000 in travelers checks?

No. It's a scam. Don't send any money.

Scam, scam scam

Don't send any money... you will never see it again or the "friend".

Tell them you are broke and that's no joke. See how long they keep talking after that. Either way no money no real friendship.

In traveling from Ghana to US would you need $10,000 in Tavelers Checks for insurance?

Nope.

Common scam.

No..

This is a common scam, they normally ask for this after you send too muchh money for a visa or passport.