Yup, I think everywhere except USA bank accounts are like email addresses. Government just needs to know your bank account number to pay stimulus. Taxes are pai

Yup, I think everywhere except USA bank accounts are like email addresses. Government just needs to know your bank account number to pay stimulus. Taxes are paid to the government bank account. In Europe it has been this way since 80's. This solves the practical issue of moving money, I don't know about the other points. So called "wire" transfers are possible, but it's not used because it's scary or something?