I don't know what's going on in the other side of the ocean, but around here, but in the SEPA we have had instant transfers between bank accounts for a while. Some banks are trying to slow it down (like charging 1€ for transfers) for some reason, but personally I use it all the time and it's great. I'm not sure why you'd have to make up this big conspiracy theory about governments not wanting people to send money to other people.