To be fair, this is because the US figured this stuff out way earlier through credit cards, and now there's a bunch of stakeholders and legacy changes which get in the way of making the services better.
Indeed, and there are some good reasons, too: US regulators want to prop up smaller regional banks and avoid large national monopolies (for what is essentially a natural monopoly).
The externalities of the crappy US banking system are so vast though. Musk, crypto, ...
Inside the same country, really? We have the aptly-named Faster Payments in the UK and it's instant. The company I work for is virtually built upon it.
SEPA is among the most stable & robust payment areas globally with a lot of interesting features which a lot of other regions are jealous about :-)
And there are additional layers built on top, so at least we have N=1, while I have to admit that convenience could & should be improved
