> There's no political will because it helps poor people and reduces revenue for megacorps

There's no political will because of this fatalistic B.S. There have been multiple bills presented in Congress. The result is usually the same: lukewarm support.

(My favorite: a rep talking about cutting wire fees, making them 24/7 and mandating interoperability saying they got letters complaining because she talked about banking. Nobody wrote in support. Guess what got dropped from the bill.)