This is a US issue. In the EU you can do an instant bank transfer below a certain amount at any time, for free (after they mandated the fees away recently), and many other countries have systems that allow instant bank transfers. You don’t need a completely different way of dealing with money to get improvements to the current system.
Fair point. I don't know how many years we were behind the rest of the civilized world in terms of having chips on our credit/debit cards. And we still have the magnetic strip.
Well, we also use "feet" and "cups" instead of base 10 measurement system.
