Theoretically the situation with bank to bank money transfers should be improving - the replacement for the ancient, slow ACH system went live a few months ago. Of course it will likely take several centuries for a critical mass of banks to support it, but there has been some progress at least.
This is how I use LLMs right now, and there have been a few times it’s been genuinely helpful. Mind you, most of the time it’s been helpful, it’s because it hallucinates some nonsense that gets me in the right direction, but that’s still at least a little better than the duck.