A lot of that is more a failing of the US financial system than financial systems in general, of course. In my country (Australia), our Government could deposi

A lot of that is more a failing of the US financial system than financial systems in general, of course. In my country (Australia), our Government could deposit money into the bank account that paid their last tax return with in less than a day... We have no transfer fees and real-time transfers (you can link a phone number to your account too). For international, things like TransferWise are pretty compelling and have crazy low fees...