I think the main reason is all seems pretty stupid is because the system, even within one country, is so f'n goddamn huge with a lot of legacy stuff in it, that

I think the main reason is all seems pretty stupid is because the system, even within one country, is so f'n goddamn huge with a lot of legacy stuff in it, that bad UX is just inevitable, rather than being incompetent. But an exception to incompetence is the EMV's decision in the U.S. to transition from swipe & sign, to chip & sign, and later (2018?) to chip & PIN. That really is just stupid. In the U.S. my debit card I never sign for whether chip or swipe, I always use PIN. In Europe, that same card when swiped I'm asked for PIN, if I use the chip it wants sign! WTF? The delays of ACH seem less between friends at least if you use Venmo or Google Wallet since that's effectively private currency (within that system) and then only periodically use a "sweep" action if that balance gets higher than you want.