I would argue Visa and Mastercard and payment processing at large as the top priority by far. It's crazy that we've given up control as a society of the only mechanisms for electronic payments in an increasingly cashless world to unregulated private entities who continue to jack up fees as often as they can get away with. Makes everything 3-5% more expensive. Ridiculous.
ACH and Wire transfers exist. Also the Fed is developing a new instant payments system that will be launched in a few years.
you can’t possibly be arguing that ACH and wire transfers make sense for everyday purchases.