Where is there a "deep-dive engagement into the intricacies of how hack-ey the current money transfer system is" at the link? I see a tweet with a fun story that's about no negative part of banking and bunch of replies about how this is cool or how the commenter also has a story about lost property. If it's deeper I didn't scroll far enough down, and I doubt very many of those interacting with the tweet did either.
Some percentage of those people who deal with this stuff on a weekly or monthly basis will say "yeah, this is f'd, there must be a better way..."