Venmo, CashApp, Apple Pay, and Zelle are free for person to person transactions and you get the cash in your account the following day.
I’ve never been in a position where I needed a cash transfer to an account the very same day, I have tens of thousands of dollars of credit available so there’s very little need for immediate transfers, at least for me personally. I do virtually all of my spending on credit cards so I have up to 60 days to pay the loan back without interest.
Ever buy something from a rando, or split the bill with a colleague or friend?With real time transactions, you can confirm that you actually received the money immediately.
Zelle is ACH, everyone else uses card processing rails. It's not the same as real instant transfers between banks. There are middlemen involved that don't need to be there.