Zelle isn’t even a stopgap solution oftentimes. With Navy Federal Credit Union I can’t transfer more than $2500 anyway through Zelle as their servicer. I really don’t understand why banks in the US kneecap services from elsewhere in the world that seem to have perfectly acceptable rates of fraud while consumer identity protection seems strong enough elsewhere there’s hardly much risk from that side. Nobody’s explained the issues unique to the US that nobody else in the world has that makes our system so backwards in comparison (much like our healthcare system, but that seems rather easy to understand in comparison).