> This is incorrect on all levels. Electronic payments between bank accounts have existed for decades. Banks in many countries now support instant payments usin

> This is incorrect on all levels. Electronic payments between bank accounts have existed for decades. Banks in many countries now support instant payments using email/phone numbers. There are QR based payment methods which do the same thing. There has even been a special jacket invented to accept contactless: Is this in Silicon Valley or something? That's the most tech utopian statement I've seen on HN for a while, where even homeless people obviously have access to electronic banking.