The other thing that amazes me is how quickly people will jump to defend the US' hodge-podge of third-party walled garden options. I've been able to send near-instant account-to-account transfers for a decade, for a stamp charge capped at the equivalent of about thirteen cents, via a first-party platform that every bank or bank-like institution is required to be part of. So yeah, "options" like "join Facebook" or "wait a couple business days for your transaction to be complete" or "pay (comparatively) exorbitant fees" will always sound inherently ridiculous to me.
To my knowledge the situation in the US is getting better with the rise of Zelle, but that's still a half-assed solution - not all institutions participate, and customers have to opt in to it. Quite a few (older) people I've talked to don't even know it exists.
> India is a completely different market.
Ironically you are quite close to getting the point here, which is that India (and many other developing nations) are able to build and push the cutting edge of national fintech precisely because they don't have decades if not centuries of cruft and technical debt weighing them down. They can skip the inefficient stages of development that developed nations went through and go straight to creating banking systems for the 21st century.