Or safety. Delays of hours or days in interbank transfers are an important safety feature, and maybe exist for that reason alone. When instantaneous transfers are possible, bank hackers and money launderers often take advantage of them, by passing the stolen money through several banks in quick succession, to delay the investigators. Kidnapping and armed robberies also becomes easier and safer, since the ransom can be paid from the victim's bank account and cashed out before the police becomes aware of the crime.
It is always interesting to hear people compartmentalize certain unethical actions to make distinctions between what is acceptable in society based upon whether expected groups of criminals commit crimes vs when petty criminals commit crimes.
Thus your comment acknowledges the benefits of certain procedures on reducing petty crimes but actually allows for more institutionalized crimes to occur. You would think that the priority should be placed upon the largest crimes, right?
I am more interested in discovering solutions that involve reducing all these crimes and programmable currency like bitcoin that allows ricardian contracts, mutisig and arbitration fulfills that role.