I agree on the current state of US cashless system. I moved here last year from a SEA country, I was surprised the amount of fees for a cash withdrawl, it's cha

I agree on the current state of US cashless system. I moved here last year from a SEA country, I was surprised the amount of fees for a cash withdrawl, it's charged both ways which is ridiculous. In my country, if banks joins the national system (which are most of them), then there is no fees for transactions between them. The check system is incredibly archaic, the overdraft thing is just pure greed. The fact that I can transfer money across different banks instantly in my country and have to wait a few days for a wire transfer in the US is just mindblowing for the biggest economy in the world.