What I meant is that many banks do not offer fast payments/transfers as a service, but they could do it if they wanted. The most common complaint I hear is tha

What I meant is that many banks do not offer fast payments/transfers as a service, but they could do it if they wanted. The most common complaint I hear is that bank transfers take a long time to settle as a default at a protocol level, not that law enforcement manually interferes with them. The second most common complaint I hear is that sometimes the transfer is impossible. For the first there are solutions, newer SEPA transfer can complete in seconds because fraud checking is done faster; this requires some kind of widespread cooperation between banks and governments. For the second complaint there are often no (legal) solutions.