A team of 100 24/7 engineers amortized across the full amount of money transferred across i.e. Bank Of America or Credit Suisse's would cost a fraction of a pen

A team of 100 24/7 engineers amortized across the full amount of money transferred across i.e. Bank Of America or Credit Suisse's would cost a fraction of a penny per dollar, and it wouldn't require 100 24/7 engineers. The costs of real-time ACH have nothing to do with engineering payroll, and everything to do with executive payroll.