[eru]

> The US has been historically so flush with capital and regionally isolated that there was no burning need nor desire for much centralized governance let alone bank coordination [...]

Until fairly recently in large parts of the US, it used to be illegal for banks to have more than one branch. (The last restrictions on branch banking in the US only came down at the end of the 20th century or so. It was a long and slow process.)

For comparison, Canada is just as wide-spread, but they had national banking chains since forever (because they were legal), and with that came national coordination.