[appease7727]

Because it would cost money to upgrade our financial infrastructure and processes.

Americans aren't opposed to it. Like so many problems with America, our institutions are simply opposed to anything other than maximal profit extraction at any and all costs.

Americans are, however opposed to the kind of national ID system you'd want for this kind of national banking scheme. For some reaon, they think it's more private or secure to use a 9-digit number assigned at birth.