For those that don't know in the US even if you use a third party system the final settlement of the money still has to go through the Fed and it's usually as either a Wire or an ACH transaction. ACH is slow and batch processes which can be daily. Wire can be quicker but more expensive. Some banks give you access to funds sooner but it's still not settled until that NACHA batch file goes through the Fed.
Anyway there are two instant payment systems coming to the US: RTP (by the Automated Clearing House (ACH)) and FedNow.
Outside the US they've already had other instant payment systems.
A sleep scientist/professor named Matt Walker has a podcast about, you guessed it, sleep. He talks about this and how it's very unfair to people who are biologically programmed to get tired later.
He goes on to describe scientific proof of the effect this has on their sleep and the impact to their health. It's sad really, but his hope is to raise awareness and acceptance of the night owl's schedule.