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I don’t know big American banks to be very consumer friendly, and

There is currently no fee or charge on the transaction to users.[1] Instead, participating banking institutions are charged a fee per transaction.[4]

This part tells me that your individual bank probably isn’t a huge fan of it, and there’s no guarantee that it won’t change in the future. And finally,

The Zelle service has received negative publicity due to fraud incidents where bank customers’ accounts were compromised through social engineering tactics. In these cases, fraudsters set up Zelle accounts in the victims’ names and used them to transfer funds out of the victims’ accounts, often leaving the victims with limited practical or legal options for recovery.

If there is a problem with the service, I’m not sure how helpful Zelle would be in fixing it.

I’m not sure there are any TV manufacturers that won’t try to fill your screen with ads and track what you’re watching, you just need to make sure your TV can’t access the internet.

Zelle (/zɛl/) is an American digital payments network run by a private financial services company owned by Bank of America, Truist, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank, and Wells Fargo.

en.wikipedia.org/wiki/Zelle

I don’t know how much of an improvement that would really be in the long-term

Car owners in Southern California are most likely to have the device installed due to its popularity among car dealers in the region, but the UCSD researchers warn that they’ve found the devices installed in vehicles across the US and even in other countries.

The part I was most interested in. I thought California was supposed to have slightly better privacy laws, but I guess it really doesn’t mean much.