If payment revenue (interchange and the like) declines, and net interest is insufficient for providing large swaths of US deposit accounts, something is going to have to give (community and megabanks have a ton of pull in Congress, and neobanks are beholden to someone with a bank charter).
I’m not in payments (but in adjacent financial services), so I’m happy to be corrected if any of this is wrong.
[1] https://www.federalreserve.gov/paymentsystems/fednow_faq.htm
[2] https://www.frbservices.org/binaries/content/assets/crsocms/...
Perhaps your country's the outlier.
Germany does seem an outlier in charging as well for _incoming_ instant payments though. (I may be wrong!)
If not for all the laws, this country would be USA on steroids.
In France, banks let you choose if you want to make an instant or regular SEPA transfer, and there's typically a 1€ fee for the instant version.
So the transaction is practically instant, but the waiting time before the transactions starts (after you authorize it in the app) can be hours. Or instant, if you wish, for a fee.