I can't help but wonder if it's due to the US using the bank system vs. Europe using the post giro system. Rather, that's one of the biggest differences I can

I can't help but wonder if it's due to the US using the bank system vs. Europe using the post giro system. Rather, that's one of the biggest differences I can think of between those two regions, with respect to personal finance. But I can't figure out what the mechanism might be, so it's more an idle conjecture than something substantial.