Not just free; I can earn money on my credit card purchases, 3% for some things. That's why I don't think there will ever be a huge demand for crypto debit cards which generally charge a 2-3% fee on each transaction. That's a spread of 6%, which is not insignificant. I'd happily forgo my 2-3% cashback on credit cards to be able to spend directly using bitcoin, but I'm always going to convert bitcoin to fiat myself for zero or negligible fees and then spend that fiat via credit card, before I will ever use a bitcoin debit card at such high fees.

I dislike all the data the credit card company collect about you, but you have the exact same problem (if not worse, since they can also collect your bitcoin addresses) using a bitcoin debit card.