Comment by theideaofcoffee

Then I guess we have to question why those .01% of transactions need human intervention at all. It seem like .01% of requests to Google Search don't need human interaction, why does money, now that it's mostly just an entry in a database somewhere (or on its way to be)? If it's a matter of approvals, then those should be codified in rules that can be expressed in code. That may be difficult for laws, the general refrain being 'laws aren't code', but money transfer is just a list of rules, transactions, settlement dates and so on.