[SideburnsOfDoom]

A: "The USA's banking infrastructure lags global best practices, and many commenters here do not realise that, assuming that it must be the same or worse elsewhere, and that their proposed solutions or upgrades are relevant, when they are in fact often not. Proof by example of a better way forward exists."

B: "Why do you hate America!!"

This is of course, the kind of reasoned response that you typically get from someone with a strong logical argument.