Somewhat offtopic I guess, but a huge part of this seems to be two-day settlement. Why on earth does the US still have two day settlement? Surely we're at a p

Somewhat offtopic I guess, but a huge part of this seems to be two-day settlement. Why on earth does the US still have two day settlement? Surely we're at a point where we ought to be able to send money nearly instantly for ~free. In the UK we have the faster payments network, but hell crypto whatever take your pick. Surely 2 days is not the right amount of time?