Speaking of omitting details. Consumer friendly legislation helps solve a problem that need not exist in the first place and saying this “isn’t a major issue” assumes:

a) the consumer catches it in time

b) the consumer has the time to deal with the bank (try calling Wells Fargo in the midst of COVID)

c) it doesn’t cause the consumer’s rent check to bounce

The US payment card system is not a good solution for the non-cash payments problem.