We have EFTs via ABA numbers and they are common for B2B transactions. Retail customers prefer payment processors for the ability to partially or totally reverse fraudulent transactions, though; contrasting the fairly positive reputation of PayPal’s Venmo with the big banks’ Zelle, the latter doesn’t have as much fraud protection.
Now, you might argue that folks in the USA are too eager to transmit money to anybody that asks, and that they should put more effort into resisting being defrauded.
Youtube channel We’re In Hell has an exploration of the history of computers in war. As usual for this channel, it’s not a fun watch, but it does show the absurdity of war and AI fairly well.