I would be careful about OK Pay after the whole EGOPAY shut down. May be off topic, but do we think any of the guys around today will still be in 20 years? I hear people WARN of the banks failing and you wont be able to get your money... But honestly those of us who have been doing BTC for 5+ years have experienced that and kept going just fine. Mtgox, Liberty Exchange, we could go on. My point on this topic is when you use these services "including debit card" is treat the funds as if they could go poof once in their control. Your contract is not for BTC, but for an IOU they back and plan to honor. Think how much you trust them to do so when it cold hurt them, and act accordingly. Some I trust very much to be the stand up people they have earned them self to be. Others not so much.