Read your post on the fun at Wells Fargo yesterday.
WF was my bank of choice when I was in California. And after a similar experience wiring money, you know what we resorted to when sending money home to Canada?
Bank draft and FedEx.
Goes to my point that US Banks are the last holdouts from the 19th Century.
I like your solution. The “little people” will solve most of your problems, if you stop micromanaging them. they have the skills and knowledge to make things happen. Management usually does not.