In the US, in my experience, young people don't want to deal with cash at all. Older people do, but it's not always convenient to meet up.

Most banks charge a fee for sending a wire. Sending an ACH is free, but most restrict that to your own account. Revolut is the only one I've seen that lets you just spam ACH to anyone. In both cases, it isn't instant.

Zelle largely fixes those issues, but has its own issues, like a lot of banks not supporting it and/or arbitrarily low send limits.