We do, but most people are afraid to use them. We have Zelle, which is free. I think the issue is that Zelle isn't protected. If you send the money to the wrong name/number there is no way to get that money back unless the recipient agrees to it. But there is no law or whatever to force that person to return the money if you are the one who made the mistake.

Many banks charge a fee for wire transfers, in some instances $20. Zelle is free, but not every bank uses it.

Yes the us has bank transfers. No you are not special

In America, banks would lobby against it, and Republicans would call it socialism.