Isn't FedNow more like the NPP in Australia that enables things like Osko and PayID? It's not quite the same as a postal savings system because the customer st

Isn't FedNow more like the NPP in Australia that enables things like Osko and PayID? It's not quite the same as a postal savings system because the customer still holds their primary transaction account with a private bank. If, instead, customers have their primary transaction account with a government run service (the reason it's called a postal savings system is because historically this was the post office) it would mean that the government is essentially giving retail access to the central bank transaction clearing service.