[CoUHKT57BSe]

Yes, the full bullet point is more specific, but the average joe/jane reading that is quite likely to takeaway 'Never send money by bank transfer'or maybe just simpler, 'bank transfers are dodgy'. That website is a very reputable source of information in Ireland so Irish people are going to follow it's advice. For decades a lot of information about staying safe online and avoiding scams has given the GENERAL advice to avoid bank transfers and never give out your bank details to strangers, this isn't something I've just made up today for the sake of this HN thread, it's the GENERAL advice given out by financial institutions for a long time. So a system where everyone is giving out their bank details and paying for everyday expenses with bank transfers seems pretty unlikely, even if those transfers are instant.