I think people sometimes forget how backwards the US is, when lived in SF 7 years ago, you couldn't do wire transfers online. Maybe some banks, maybe some people.

But I constantly had issues with debit cards being rejected, wire transfers having to be done on a branch, etc. I doubt there is a modern bill payment system yet.

Where as in Denmark, I've bought house, mortgage, wired >100k, bought stonks, none of it required me going to a branch.

I pay a manual bill maybe once or twice per year. I do it online or in an app, I hate the process. But automatic bill payment takes care of 99% of my bills!