> As for standards, you seem to have a rather naive idea of how government makes standards. Usually it will heavily involve industry. It is not like government just dreams up arbitrary shit.
I'm not sure how you draw 'naive idea of how government makes standards' from my post. I specifically point out that the government mostly does not make standards... Non-governmental industry/professional organizations agree on standards and then the government (maybe, and sometimes usefully) adopts them. Often, the (admittedly bureaucratic) teams of professionals establishing standards by committee within these non-governmental organizations are merely formalizing and documenting work already done by individuals and companies. My point is that the state is not a creative (driving) force. It follows after the people who know what they are doing... if it is working well and if it needs to participate in a standardization process at all (usually as it relates to commerce). Maybe that is all naive, but your quoted sentence above is not engaging with what I wrote.
GSM/CDMA were competing standards, and their coexistence was largely an artifact of Sprint & Verizon-forerunners switching to digital systems at a time when CDMA was a newer and (debatably) better technology. Let me point out that the standardization process was corporate-led, government-following as I have described: 3GPP (created GSM) was an old AT&T/Nortel partnership which European public/private-ish telecoms eventually joined, and which governments later legislated into force as you describe.
I'll agree that American banks have (and still do) drag their feet about adopting new digital standards, though what you describe (moving money between accounts) hasn't been a problem in my adult lifetime.
I'm not sure why government needs to actively legislate the layout or formatting of a paper bill/invoice. In a common law system, a bill is just some (among other) evidence of a transaction/contract in the event of a dispute. Fraudulent bills are already against the law, and what constitutes fraud (including deceptive/hostile formatting) is extensively defined by common and case law (precedent). Bills over a certain amount (I think $500 or $600) require standardized accompanying IRS forms (further evidence of the contract/transaction). The standards are there, but maybe not recognizable to someone coming from a civil/Napoleonic law system, which is most of the not-formerly-British world, and where such things would need to be legislated in extensive detail.