Which is a fucking insult. The moment i pay anything with a debit card the payment is already noted in my account, just the formal transfer of the money hasn’t happened yet. But both banks already know the transaction and they know that they will do the transaction, everything is there already. But they just didn’t do the switch.

It is like you would go to an airport, have your luggaged checked in, go through the security, board the plane and everything is ready. Also the starting lane is empty. But the flight will wait until the next day, because thats how it has been done since the days of olde.