It makes no sense to me to use a crypto related debit card to spend fiat the same way I can spend fiat already with my legacy debit card. I rather convert the coins to fiat myself and then spend them whenever I want.

I might sound a bit like I don't see much utility here, but it doesn't solve a problem because you are still spending fiat and not crypto. You basically put a jacket over something that already works well.

I rather see more merchant adoption accepting crypto currencies for what they are, and not advertise something that has no meaning here. Crypto is here to improve the way we conduct peer to peer payments, not support fiat.