I feel, respectfully, that you did not make a solid argument in your response. I recognize the value of my Bitpay card in real life at a brick-and-mortar store, restaurant, coffee shop and places like that. I fully understand the value of those purposes.
The point I was making, the one I believe you did not understand I was making, because your response did not address my point, is about online payments. Online payments are risky with the potential for identity theft. Additionally, credit card fraud is a known booming black-hat industry.
If a certain online business only accepts fiat currencies and you MUST accept their services fine, do as you please. But the only way we'll achieve mass adoption is if we stop letting businesses get fiat currencies out of us, as their customers. We need to use on-chain transactions if we will ever have a chance at mass adoption. It simply makes no sense to not use cryptocurrencies for the very thing they do best.
And why can not a card be used on the chain?
It is merely code to relay a transaction to a record on chain.
How many people lost their finances from a Steem account?
How much safer is so called online?