[kmeisthax]

My experience as an American:

- Free or instant, pick one. FedNow was supposed to fix that but AFAIK it hasn't rolled out.

- Opening a bank account involves shittons of KYC paperwork. I've never had to prove residency though. In fact in Utah it's the opposite: you can prove residency (for a state ID card / drivers license) by, among other things, having a bank statement with your new address on it. No clue how that works with paperless.

- Virtual/one-time numbers are a thing but not widespread. Credit card companies sell services intended specifically to ensure getting a new number doesn't cancel recurring charges.

- 3DS (Three Domains Secure, not Nintendo 3DS) is technically supported but rarely enforced by merchants.

- Cashback is a gimmick used to justify payment fees.