Yikes, interesting that banks don't try and facilitate it easily. Is it an issue of scale? Or just that they can get away without it ... or relegate the job of 'consumer' banking to other corporations e.g. Google or Apple
There is some merit to the idea of Fed-operated system here, but, well, let's just say that investing money into a system only to end up competing with your regulator doesn't really help banks feel like they're in a stable regulatory environment where they'll be rewarded for doing the right thing and making investments in the future.
UPI has become so easy that I see people using it over credit/debit cards all the time.
In India, Visa and MasterCard responded with no-pin-code swipes for small transactions.
So it has (probably) caused some changes.