Right. To a bank. After passing KYC. On an exchange like Coinbase. That's my point: Coinbase is well positioned to be the on and off ramp for crypto by being legitimate enough to interface with the US financial system.
Couldn't agree more.
I've been using a bitcoin debit card for years.
I've also purchased thousands of dollars of stuff, from NameCheap renewals, Vultr hosting, to Amazon gift cards.
AKA being overcharged to spend fiat.