in practice, no one uses the banks directly to send money like that: we use apps like Venmo / CashApp that take your debit card/bank info and act as an intermediary for sending/receiving money.
Banking still uses cheques, so you have Paypal, Venmo, CashApp and so on.
Public transport is bad or even non existent which is why Uber and Lift exist.
The programm of over-the-air TV sucks and you get Netflix, HBO, Hulu and so on.
Uber exists because taxis suck.
Cheques are safer and more portable than give me your bank account because you choose where to deposit.
Paypal is for websites no stores accept it and doesn't replace a cheque
Maybe it's different in the US, but I have a different account number for each of my bank accounts. So I can still choose where I want to deposit someone's money when I give them my account number, by choosing which account number I give to them. And no-one has to go to a bank.
Yes, it's an extra step, but you're already doing way more steps to cash a cheque than use a transfer service where you only give an account number and suddenly the money is there.
IMO, this sounds like a solution looking for a problem to me.