America has trouble with a simple problem: sending money from person A to B.  You can write checks, but they take days to mail, and more days to clear. There are credit cards, but they charge huge fees and are intended only for merchants. There’s PayPal, if you don’t mind more fees and money being frozen for six months on a whim.

A simple solution:

– Withdraw cash from your account.

– Walk over to the other person’s bank.

– Deposit the cash into their account.

It’s perfectly legal to deposit into someone else’s account. You don’t need their ID or credit card, just their bank’s name and account number. And it’s instant. Sneakernets are great.