I don't doubt that, but courses are selected/designed by their teachers - who likely select what fits their pre-existing biases. Virtually nothing humans do comes out without biases affecting things, which is what makes the "reproducibility" of studies such an important part of science - and even those reproductions need to be done numerous times by varying parties for the results to truly start to become trustworthy.

In short: there's no pleasing everybody, but if you're going to try then you must allow for differences in views and modus operandi.

It's not a perfect example. The need to pay sort of starts as soon as you put something in your shopping basket. I'm not transferring money to the cashier unless it's cash -- otherwise it goes somewhere else and eventually the store gets it.

It's just a thought experiment about something reasonably similar, and the similarities for me start after everything is rung up and it's time to move money.

I think you're adding more layers to this than what is actually required.

To move money from a to b. Not why it needs to be moved.

To pay a cashier you need to get your money/payment first. That's the source. Handing it to the cashier is the destination.

Everything else you've mentioned is a why and has no bearing on the movement of payment.

That's my..O2 anyway

A reasonable point.

Counterpoint: When I want to buy something, I first go to where the thing is; not where I wish it was.

I looked at three of the banks/brokerages I use and the results are interesting!

The brokerages present you with step by step screens, and first have you choose the "to" account. Then you click 'Next' and choose the "from" account.

My bank presents them on the same screen, going top down. On top you pick the "from", and below it you select "to".

So, despite my strong opinion, apparently there hasn't been any consistency in my experience, granted I don't transfer money very often.