You can do that too! It's just that you can also use checks. I don't see the problem, instant money transfers are ubiquitous and were easy for me even as a visitor in the US. The fact that bank transferts take longer doesn't really matter day to day, they just don't use them for that
I need to use Java exactly zero times when interacting with those, they have dedicated clients for everything, something this stuff apparently is proud of not having.