Yeah i agree completely, its a total cock tease. And i thought exactly the same thing about the USD card. if you check the application, wehre it asks for your address theres a country drop down menu and the US isnt on it... its even buried in their faq somewhere (i looked it up because i was so bummed) that they can't work with US or i think india residents.
Its really strange because typically, if something is not cool for the US, they just tell y ou at the outset when they detect your us ip address.
Strange... i wouldn't advocate it but it seems you can sign up and stay non verified?