I mean, you could also send me fee-free payments direct from your bank with rapid settlement if I had a Euro bank account. I don't, but the reason isn't because I can't but because I don't need or want to hold non-domestic currency - exactly the same reason why I and most of my fellow countrymen who do have Euro bank accounts don't hold nano. The hurdle is reluctance to adopt universal international currency, not a technical shortcoming of Target2 settlement.