This is good but one obstacle in the USA is how to get funds into the other person's bank account. Chase is already making it so you are not able to deposit cash into someone else's account, and other banks are likely to follow.
Not living in the US:
You mean not being able to go to a bank give them cash and bank details and expect them to transfer it I hope? Like an anonymous deposit? Or can you just not send money to people via bank transfers at all? I can't believe this is true?
So you would just transfer from your bank account to his/hers, nobody asks questions. That's how it works over here, I can even do this with my smartphone as long as I have the bank details...