1067
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(sh.itjust.works)
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Other 196's:
Wait a second if the bank app can't transfer money how do they do it? Just barter with guns? Are the bullets like coins?
We have a fee-free bank-to-bank transfer system that is based on pre-digital technology that takes 2-3 business days. We often call it "direct deposit" or automated clearing house (ACH). It's often used for payroll and paying bills.
Now, we could probably make this payment system instantaneous relatively effortlessly (and thus useful for regular in-store purchases), but the banks lobby against this so they can continue to charge us fees and interest to over-use credit cards. (Interestingly enough, credit and debit cards all use direct deposit on the backend to actual transfer funds between parties).
This is all fine and dandy for most people because they simply can't imagine doing things a more consumer-friendly way.
Your comment is all true, except - we CAN all imagine it, but as you pointed out, our unchecked hyper capitalism prevents it