It's all designed to stop bank runs, keep it slow, and get people used to waiting
Discussion
I was on hold for 30 minutes because I paid off my credit card, but an automatic payment also came out so I have $0.00 in my checking account.
They will reverse it, but it will take 10 days.
I'll probably get overdraft fees, but I would rather pay them then sell a single sat to for fiat.