While I agree it's a misnomer to summarize ACH as trivial (NACHA's Operating Rules & Guidelines are mind-numbing), a far-reaching near-real-time payment platfor

While I agree it's a misnomer to summarize ACH as trivial (NACHA's Operating Rules & Guidelines are mind-numbing), a far-reaching near-real-time payment platform isn't impossible. Establishing such a network is obstructed by bureaucracy, not technology.