Something that I read between the lines here is that credit/debit card is basically still the only practical way to do transactions in the USA. Is that right?

Something that I read between the lines here is that credit/debit card is basically still the only practical way to do transactions in the USA. Is that right? It isn't the same across all of the Europe, but in the most cases you don't have to use a card to make a transaction, there usually already is one or multiple options to pay-by-bank online. So my understanding is Visa is just making an alternative of their own, nothing truly new. For p2p transactions (like, between friends) there are also multiple options, and they usually don't involve a card number (in fact, I don't even really know the mechanics of how such transactions happen, where they happen). Most people living in the same region usually have accounts in the same bank. Probably, the most widespread is Revolut, which will allow you to make a QR code to request a payment, or send money directly, but most "traditional" banks I know are not that far from newer Fintech capabilities, really: you still have an option to make a special URL to request a payment in your banking app, and "sending money to a phone number" is popular option too. Direct bank-to-bank transfers for peers usually have a (fairly low) price tag, but are nearly instant too. So, how do people exchange money in the USA?