I find this a lot in comments from Americans on topics like this, this ignorance of other ways things have been done. You get comments like the parent talking a

I find this a lot in comments from Americans on topics like this, this ignorance of other ways things have been done. You get comments like the parent talking about alternative ways of doing banking, or medical care, or a host of other areas as if they're impossible abstract thought experiments instead of things that have been actually done in other places in the real world. That's not to say these other ways of doing things are without flaw or above criticism, just that they do in fact exist.