You don't understand. Once you're in the Bitcoin ecosystem, you don't necessarily need to backtrack out into US $ anymore. I buy almost everything with Bitcoin, and shop at Bitcoin-friendly stores. Except for grocery stores. I don't know of any grocery stores yet that accept Bitcoin in my area, but they will surely arrive someday.
The ACH system itself is designed for the benefit of bankers, not developers, or even depositors.
Bitcoin alleviates the need for the excesses of the described system.