Every time this topic comes up the author either ignores or doesn’t know about the many solutions available in the US, and cites $35 wire transfer fees as if ev

Every time this topic comes up the author either ignores or doesn’t know about the many solutions available in the US, and cites $35 wire transfer fees as if everyone had to do that. PayPal, Zelle, Wise, Venmo, Apple Pay, Google Pay, etc. all do person to person transfers quickly and either free or very cheap. We’ve had those for years. US banks have tended to partner with the third parties rather than push their own low-profit solution.