Yeah, I think that is why I see less venmo/cashapp in Canada.

Most(maybe all?) banks offer interact e-transfers and you can can send it to an email or phone number and be done.

Yep, Australia has used BSB/account number for many decades, and launched the NPP (instant transfer between banks proxied via the reserve bank) almost a decade ago that allows you to register your own identifiers like phone number, email, etc.

Last time I was in America (admittedly 5 years ago now), most places didn't even do Apple Pay (we had this near ubiquitous 9 years ago), you needed a physical card and to _sign_ for things most places (we phased out signatures a decade ago because they're quite insecure) and most places seem to accept paper cheques with all the risks and complexities they come with.

I'm not trying to have a pissing contest with America here, but what the fuck are they doing? They seem to arbitrarily decide to dig their feet on for "personal freedoms and choices" for things that benefit them whilst simultaniously giving them away for things that don't.