If no event is triggered with normal transaction, how do one listen to "transfer activities"?

I recently got to learn that there is no event emitted when an account transfers Ether to another account as events are accessible solely by declaring them in smart contracts and then calling them.

How then can normal transaction activities involving just transfer of ethers tracked?

If I am given an EOA account,

how can one retrieve all transaction history programmatically? and how can one listen to real-time transfers happening to/from that account?