New Zealand is a dream for this kind of thing. Banks are actually helpful and money transfers between random people have been easy for decades. Even the NZ gove

New Zealand is a dream for this kind of thing. Banks are actually helpful and money transfers between random people have been easy for decades. Even the NZ government is well organized - I was constantly impressed at what you could do online on well designed web sites. When I moved to the US 4 years ago I hadn't written a cheque in 15 years; I was in for a rude surprise.