I find that mind-boggling. How did/do you pay rent? How do you get paid? Coming from Europe people use wiretransfers for pretty much everything over e.g. credit cards (obviously there are differences between countries but wire transfers are very common everywhere).

I send electronic payments all the time, just not payments big enough to exceed maximum transfer limits. For example, Coinbase might say max transfer for ACH of 5000 USD per day, for larger deposits use a wire transfer. I’ve never done the type of transfer that exceeds the maximum ACH limit.

Wiring isn’t that bad, you need to fill in some fields about the recipient account details and receiving bank. The annoying bit is that banks have inconsistent web portals with mediocre UX. So sometimes it can be frustrating to figure out how to enter the information.

I’ll admit that the crypto UX is faster with just entering a destination wallet address. It would be good if banks could adopt QR codes to provide similar experienfe.

Sometimes you get charged a fee, but many institutions will waive that (e.g. Schwab) if your balance is high enough.