So to me it seems like there so many risks and losses when dealing with bitpay-like services it is not worth it. Maybe I'm too careful here? Or trying to save mere cents? I'm not really rich XD Please tell me why do you use or want to use these cards?
I'm in the UK, a place where banks really do not like crypto, if I'd done the same amount of sells on Localbitcoins that I did to Bitpay to fund a card they'd probably have shut my account down because they thought I was doing it as a business.
Avoiding banks was my main reason for using one.