After living in Australia and NZ for years, I wondered the same thing. I did a write up on it a while back: https://penguindreams.org/blog/the-american-banking

After living in Australia and NZ for years, I wondered the same thing. I did a write up on it a while back: https://penguindreams.org/blog/the-american-banking-system-is-still-in-the-1990s/ https://penguindreams.org/blog/the-american-banking-system-i...