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I don't want some third party doing the bank transfer, just lets the banks 1:1

Zelle is owned by the big banks. I wouldn’t call it a “third party”. In particular, it is owned by Bank of America, Truist, Capital One, JPMorgan Chase, PNC Bank, Wells Fargo, and US Bank.

You need a network of some sort, unless each bank has to maintain a direct interface with every other bank.

The central bank can do that. That's how it works for instant payments in my country (Pix payments in Brazil).

That seems even less appealing than the sideways system we have in the U.S.

Is there any percent chance that the government doesn't wiretap all those transactions?

Tap on what sense?

The government doesn't hide the fact that all this data can and will be used by the IRF equivalent in Brazil (Receita Federal)

I would assume the same for any credit card payment in the US

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