I’m trying to figure out how to send $6000 from my Chase bank account to my wife’s Chase account for our income tax payment and the answer is to either:
- Write a free paper check
- Send $2000 for 3 days through Zelle
- Pay $25 for a wire transfer
America 
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We can demand all we want, but in America "quality of service" is determined by what people are willing to pay for, not by the government. Which is why, for example, our Internet is so expensive (and poorly deployed) compared to other countries. For better or worse.
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There really is no reason why the US government should stay out of this though. The EU, Mexico, Brazil, India, and Russia all fixed it through legislation.
End of conversation
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