Here in the US, moving money is a huge PITA. Unless you both bank at the same bank, money usually takes days to move. And banking at the same bank is no guarant

Here in the US, moving money is a huge PITA. Unless you both bank at the same bank, money usually takes days to move. And banking at the same bank is no guarantee it will happen faster. Private party transactions up into the thousands of dollars (say, buying a used car) generally require cash. It's incredibly archaic.