The main problem is that most services that accept a wire transfer might take a while to verify your bank transfer and will often not verify bank transfers outside business hours, so they're not quite as perfect as I would want them to be. If the bank systems could only have been upgraded to support including a reference number, or better yet provide a system for automatic verification by the submitter (such as a request link + verification link, tokens, QR code)... But I'm dreaming about change to some very old systems.
That said automaticly registered wire transfers aren't really used much lately in my experience. Mostly for stuff like salary, rent and big purchases like a car. Anything else that's automatic people just use cards for now. Precisely due to that lack of messaging/attribution.
For small daily person-to-person transfers, everyone I know uses PayPay since you just exchange phone numbers instead of more personal details. This is similar to back in Sweden where everyone uses Swish instead of regular wire transfers.