I do agree with you but at least those problems only take hours to fix and not days. It is ironic that one of the best ways to send money to someone with a US

I do agree with you but at least those problems only take hours to fix and not days. It is ironic that one of the best ways to send money to someone with a US bank account or even just access to a US bank is a check. Sure, the bank is a platform, but is a very robust and secure one compared to say, Paypal, Venmo, Zelle, etc. All you need to do is mail someone a check with their name on it. They can then take a photo of it and deposit it into their bank. Everything is properly there for taxation and reporting so that you can be an aboveboard citizen, and you never have to worry about processing credit cards or chargebacks or disputes. A check is basically trackable cash.