Hi ETFbitcoin, thank you for your feedback. While there are many altcoins that allow for minimal fee transactions and the lightning network on bitcoin has recently been implemented, we are offering a more user friendly experience for those who either wants to store bitcoins with limited technical knowledge on how to do so, or for people who are comfortable with their methods of storage but want a solution that allows them to spend bitcoins in a similar way you would spend FIAT.  Also while all crypto card services has been suspended, we hope to be one of the first to implement a solution by opening up our own banking services that will allow for b2b and b2c transactions and greater spending limits on your crypto cards.