True, never had a need in my life to move such an amount tho

For the istant money from 2025 I Agree, but the bank transfer part is like that since 20 years

In europe i can send any amount (like up to 100k ) in just a few days since 20 years, to anyone with a bank account in europe, from my computer or phone.

Also, since 2025 every bank allows me to send istant money to any other bank account. For free.