> Yeah, that's not "a world" it's just the USA.

"In a world" is a figure of speech which acknowledges the non-universality of the statement being made. And no it is not "just the USA". Canada and Mexico are similarly slow to adopt real-time payments.

It is wild to tell someone "don't assume" when your entire comment relies on your own incorrect assumption about what someone meant.

There is better commentary on the same basic point regarding SEPA / Faster Payments / FedNow and how the US lags world-leading practice in the other thread here: https://news.ycombinator.com/item?id=44738579

It's a bit more substantial, and less complaints about the semantics of the wording.