Why Can’t Americans Send Wire Transfers Online for Free?

This just makes no sense to me whatsoever. Why can’t I send wires online? Europeans are able to freely transfer money online from one banking institution to another. Why is it such a pain to do in the US? Will this be Michael Moore’s next film? I am 100% positive that there is a shady government interest preventing this. And don’t try and tell me it’s to prevent exposure to online banking hacks.