I think that all these ppl (Charlie, Erik, Gavin and the other) are trying to mislead newbies. Bitcoincard is a big step towards Bitcoin popularity. Backed by "Foundation" it will definitely get almost 100% spreading among future bitcoiners. This will let owners of Bitcoincard (mentioned ppl) to "write" any amounts on the cards making bitcoins out of thin air. Then we'll face fractional-reserve banking and other "nice" features of real-world banking system.
Are you serious or joking?
Not sure about TBF myself, but what you say here is not possible imo
One cannot make Bitcoins out of thin air and the BTC is converted to USD before it is loaded onto the debit card. How could you create a fractional-reserve system with that? Please explain what you mean.