It's completely normal to pay for a lot of things with direct bank transfers in Europe. Nobody bats an eye unless they want to keep their identity a secret for some specific recipients for some specific reason. Then they look for other, more anynomous methods of payment. For most people it happens practically never.
i mean, the united states does still have zelle which is basically also a direct bank transfer that reveals your full name, but i only really use it for buying cryptocurrency, and transfers to actual friends who know me personally already
