Why the US government is not the "company" that has done this already is a real shame and a bit baffling (except for the standard, "It's the government. What do you expect." argument). Fee free online transactions would be great for US competitiveness and give the dollar a leg up in staying the world currency. If not the US, some other country with a convertible currency should do this. They could have the defacto online currency very quickly, I think. How about it Iceland?