Perhaps it's the people's problem for not demanding a better system. Many other countries in the world bank transfers are easy and free (within the country).

Perhaps it's the people's problem for not demanding a better system. Many other countries in the world bank transfers are easy and free (within the country). I can transfer to anyone from my phone, and do all the time. No apps or special services needed. IMHO America likes to hinge these arguments on "our system is too old, we're just too big, etc.", but when it comes down to it are just excuses to allow banks to continue fleecing their customers.