Thank you for providing a different point of view, I didn’t realize things were so complicated in the united states. In the EU there is a system called iDEAL which iirc is maintained by a collaboration of different banks and lets you pay for stuff online instantly and with zero fee. For sending money person-to-person, there are apps like tikkie that are just a thin wrapper around iDEAL. And in cases where these things don’t work, you can just do a direct bank transfer by typing in the other person’s IBAN in your bank’s app/website. Slightly less convenient, but still nearly instant and zero fee.