Indeed. It is one thing to use a debit or credit card where the bank takes most of the fraud risk. It would be another thing to use some sort of bitcoin card where the person who ends up paying or sorting out the mess if it goes wrong is me.
Essentially what is being suggested is a scenario where you tell each and every merchant that you do business with where you've stored a big box filled with cash. You continuously add cash to this box as needed. The merchants then go to your box of cash and remove the amount that you've asked them to remove for payment of whatever you are purchasing. You agree not to move the box at all, and you trust (hope?) that the merchant will never use their knowledge of the location of the box to go take additional cash that you haven't authorized no matter how desperate they become.
And this is being offered as equivalent to the current credit/debit card security.
You can see how when you think about bitcoin as a currency instead of a payment network, some of the concepts start to fall apart.