You statements appear to be taken from various institution's brochures ( ranging from $35 wire transfer cost - international, which is what we were discussing,

You statements appear to be taken from various institution's brochures ( ranging from $35 wire transfer cost - international, which is what we were discussing, wire average cost is higher ; "shows up in a corresponding bank within a day" - technically true, but virtually meaningless to a sender/recipient ). They are also very definitive, matter-of-fact and made with aura of conviction, but allow me to quote to you stating the following. "P.S. Non-immediate transfer is a feature and not a bug. " Since we are playing with words, non-immediate transfer is a delay and it is at odds at the other statement you have made: "If 20% of those were delayed, it would collapse the global financial system. " It wouldn't, because it didn't. But clearly that part doesn't matter, because entities and individuals affected tend not to be well-heeled and so unlikely to be able to force the bank to take some sort of action. All that said, I am done discussing this.