Sure - you are right. But one more layer of lawyers asking questions on such a request is, imo, extremely valuable. Especially when the extra lawyers are being paid by a private entity who is more answerable to shareholders and customers than the central bank (or whoever asks them).
This is an interesting sub-thread. My question is "why do you and parent commentators think that these decisions, both on payer/payee sides, won't be fully automated AI - with no human in the loop?"
