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.
There may be a workaround for you.
You could use an e-wallet like Neteller or Skrill that has a working prepaid MasterCard
attached to your e-wallet account. Unfortunately, funds that you deposit with Bitcoin into
your Neteller account (Neteller has a Bitcoin deposit option) can´t be used for ATM withdrawals and have to be used to pay at a merchant
or for a P2P payment to another user.
However, you could sell your Bitcoin (or the altcoin of your choice) to a reputable user, who sends
you funds on Neteller. Afterwards you can easily withdraw the funds using the Net+ Mastercard without any
restrictions.