Q: # branches of banks, telco, utility providers?
A: much higher in SG. Singaporeans choose online only because it’s cheaper/faster, not because no other choice. US is mostly online self-service or hotline. My wife and I had to struggle for a long time.

Q: how long do u need to wait on the hotline?
A: 95% below a min across all SG telcos, banks, transportation companies (like airlines), utility companies, government agencies
A: 95% above a min across all US telcos, banks, transportation companies (like airlines), utility companies, government agencies, medical insurers,

Q: minimum cost for a reasonable lunch
A: SGD 3 (I can get SGD 2.50)
A: USD 6 (I can get USD 5) on NYC street

I guess one of the fundamental reasons is the minimum wage accepted by (unskilled) workers. I guess around SGD $1k but in the US most won’t accept USD $1k.