Earlier quoted context omitted.
The oral history is that the UK's systems were built by Australians, because we and the kiwis have had this level of convenience since the late 90s.
We do? I wrote my message on this from Australia, still frustrated by the level of convenience we have. It's actually worse in some places?
The USA flew men to the moon, built the bomb and invented the internet. Their principal form of funds transfer is still with pieces of paper. Pieces of actual paper.