A bullet that comes down has enough energy to kill someone. Shotgun pellets (especially smaller birdshot) would have much less energy when it comes down. That's why skeet shooting is the only kind where you shoot upwards. The terminal velocity of a BB is pretty small.
Unless you’re vegan, I don’t think you have a good argument against hunting from a moral perspective. Hunters also are some of the biggest donators to wildlife conservation.
A lot of it stems from a distrust of the government. Even as a left-leaner, I support the second amendment because I don’t want cops to be the only ones with guns. Personally, I would want vast police and justice reform before I would be comfortable with strong restrictions on gun ownership.
Isn’t ACH a service by the fed? If this is a service for financial institutions, I don’t expect them to make it free. I don’t see how this changes much except maybe making Zelle obsolete or at least changing the back end of it.