Yeah, my point on inertia was more that you could streamline it greatly by removing all those options to match modern norms.

1. How much cash do you want? 2. $x00 3. Done.

There have been some developments in this direction, but they're the exception rather than the rule.

To a non-American, in Asia, in 2020, particularly if under the age of 30, it is not a strange question to ask "What the hell is a checking account, anyway?"