If someone breaks the system the 5k limit doesn't mean anything. Is the $5000 limit for launch or permanent? I sure hope it's not permanent. Electronic transfers are most important for large amounts of money.
It's worth noting that limits are usually balanced by availability.
I'm not familiar with Barclays, however, in my experience, many banks will process a transfer less than $5,000 USD in three to five business days, but take far longer to process a transfer greater than $5,000 USD. While it's understandable, I wish banks made this trade-off explicit.
