This is the standard US centric viewpoint driving this nonsense. Every other developed nation and a lot of lower developed nations solved this long enough ago that it's not even thought about.

I have to use my physical card maybe once every 2 months/once per quarter as an anti-fraud step. My phone contactless pays for everything, and anything it can't (like a car or whatever) I can do sub 2 hour but in practice instant bank to bank transfer.

Moving money instantly and without transaction costs is a decade plus ago solved problem