In Australia, our New Payments Platform (which has been rolled out to almost all banks at this point) allows you to set up an email address or mobile phone numb

In Australia, our New Payments Platform (which has been rolled out to almost all banks at this point) allows you to set up an email address or mobile phone number as your "PayID", which negates the major advantage you mention for P2P transfers. (People are still getting used to using PayIDs at the moment, so I still get many friends sending me their bank account numbers like they always have, but usage is definitely picking up.)