The direct conversion while we pay interests me too, it's easier than now that even need 2 step before having money usable on the card. What's the difficulty in enabling the direct conversion?
They should offer both really. Personally I'd prefer to use it as is. You can carry money forward rather than never being quite sure how much you have available.
Xapo cards direct converted. Bitpay cards worked the same as wirex. I used the bitpay one more