Yeah, it's difficult -- 'normal' people don't know how Swift, Fedwire, SEPA, FasterPayments, CHAPS, CHIPS, NSS, BACS, ACH, Visa etc. etc. *work* or how they even relate to each-other and what they actually *do*, they can just use the appropriate one in a pretty seamless way without having to think about it. Ultimately we'll have to match and exceed that usability, but it's a harder (or at-least rather different) problem to solve without relying on the "do it centrally and let your bank handle that for you" option.