> It's just tedious, and the money takes two to three days to arrive So then it's not free. Instead of charging you a transaction fee, they charge you "time",

> It's just tedious, and the money takes two to three days to arrive So then it's not free. Instead of charging you a transaction fee, they charge you "time", since time is money, and they can make money off the in-flight money (via interest, ostensibly).