I bought a vehicle early this year. In the UK we have supposedly instant BACs transfers.

However because opaque anti-fraud stuff, that I am not informed about, I was stuck in the middle of a field trying to convince someone in a call centre that the car I could see with my own eyes (and I had done all the appropriate checks) does indeed exist. This whole process took almost an hour because their anti-fraud team has a two hour response time.

There are obstacles in the banking system that make doing legal transactions difficult.