[eyelidlessness]

Right. (I feel like I should add this disclaimer because I don’t think you’re hostile to the problem as stated and also because I don’t want to be misconstrued as shilling “crypto”; below is expansion of the thought in case it’s not immediately obvious to other readers, and not advocating for any solution other than recognizing the current one is effectively reinforcing poverty.)

Roughly equal to common overdraft fees, which similarly burden those most in need of fast transactions. And often these burdens compound not just on themselves but on top of each other too, eg if I help a family member cover an expense plus overdraft we have to pay double the overdraft to pay the overdraft; when I was tight on money between jobs but had available credit I’d have to pay another increment of the same, plus interest. All told, it could cost around 150USD pay a 5USD bill. Which only affects people who are unable to pay such a small bill. Now that I’m not between jobs and the burden of fees is less of a concern, but I don’t have to worry about the fees at all because they’re processed out of my bank account. But the transfer still has a fee for the recipient if they need it sooner than “in 3 business days” which can often be effectively a week. That’s long enough to incur much greater costs, ranging from further monetary penalties to eviction depending on what payment is due.

We’d all be better off, as a family, opening a joint bank account but I’d be surprised if that wouldn’t flag a fraud alert if not actually violating some law I’m unaware of.