Yup, I've been saying the same thing ever since I discovered bitcoin, which I've always viewed as an investment and not a currency (even though I've used it to buy things from merchants when I'm out of fiat). 

On the old JREF forum, they used to say that bitcoin is a solution in search of a problem that doesn't exist.  I don't view it in such an extreme way, but the fact is that businesses don't want bitcoin, they want fiat.  When you buy something with bitcoin using a payment processor, they're just converting the bitcoin to fiat--and that's what the merchant gets.

I get my paycheck in fiat and tend to always have more fiat than I do crypto, so I would have no use for a crypto debit card, nor would I want to go through a KYC process with a company that I didn't trust.  I already let my bank do that, and that's bad enough.