I'm Australian, on the Gold Coast, in fact. We have the standard fast food drive thru's here, we also have the bottle-o (liquor shop or bottle shop... you can see how we Aussie's really do like to nickname things), a drive thru coffee hut, a drive thru dry cleaner, can collect our pre-ordered/pre-paid groceries via Click and Collect (the pick up version of home delivery) and there are two more that I'm thinking of but can't quite picture... but different industries, again.
As for the banking thing, it seems quite bizarre to an Australian that knowing your sort code and account number could cause such a problem. That's because we don't provide those to companies when we're paying our bills, we log into the internet banking site with an id (mine is an eight digit number that has nothing to do with my account number) and password (one of those "Must use a capital letter, a numeral and be a minimum of seven characters long") and there is the option to get a token from my bank which will produce a random number every time I press it and I can add that as part of the log in series as another layer of protection.
Once you get through that then you can use the account to Bpay a bill (which is how you would do it with a bill, Bpay is the system they all use) or transfer internally - either between your own accounts or to other accounts in your bank - or transfer externally to another bank. If I transfer externally I then have to use an external transfer password which is six letters and two digits that the bank sent me. Just putting my sort code and account number in the payment section of a bill would do nothing except get it returned to me with a late fee and possibly a default fee for not paying the bill.
The other way to pay is online/over the phone through an automated system with a credit card. I have a Visa Debit from my bank (and an American Express credit card which sees far too much action at times, too!) and do that quite frequently. I'm always asked for the CCV number.