Debit cards have always intrigued me because when you swipe you are not only selling your crypto at that moment in time to convert to fiat but you may also be incurring in a taxable event so even if you buy crypto the same day you spend it in fiat your cost needs to account for short-term /long term capital gains.
Not sure what happens with stable coins though. If that's not an issue would the benefit against buying straight up Dollars be that you would eliminate the bank risk?
I've been dreading about yield farming I think if you can create a debit card that takes your unused balance (or a portion thereoff) to benefit from crypto lending that would be Best for your living expenses crypto bag. (Do you know if something like this exist?)
Sorry for the rant but this is an area in which I'm extremely interested and an area that can benefit not only territories with high inflation but also special circumstances such as providing income to the special needs population or to ease retirement.