To be fair Australia is also extremely far ahead of the curve. I will be moving their soon and found out about the NPP and Osko a week ago. Very impressed with what the banking industry in Australia manages to implement. Once they have person-to-person transfers through Osko I see no reason for most fintech-y internet wallets (paypal, venmo etc.) to be used in Australia and frankly also credit cards should become obsolete if you have instant payments through the regular banking system.

Not sure about the last one though because Visa/Mastercard seem to be extremely entrenched in the industry, as far as I can tell they have completely replaced any other debit card system.

EDIT: To your last point. I think the problem with fee's is rather that you need to convert currencies when you do global transactions. Banks could offer this at a loss but nonetheless libra has an edge here.