It's even more crazy when I hear Ledger CEO talking about plans to turn their hardware wallet into some weird phone like thing in future with debit card on top, this sounds like a circus to me 
It sounds like a very cool feature to be able to access all your crypto funds directly from your Hardware Card! Buying a car? No problem! Buying a jet? Just swipe your card, punch in your Ledger PIN, confirm the transaction and take off!It also sounds like the dumbest insecure thing ever
Never understood the appeal of these things. A good credit card that's accepted everywhere, 1-5% cash back, grace period, etc, works great for fiat purchases. Then I can pay the monthly bill by selling some corn if I'm so inclined. Much easier for tax returns too, ~12 transactions instead of hundreds.
Note that this varies per country: I wouldn't have this problem as we don't have capital gains tax.Of course, funding cards with crypto is only a temporary solution while shops don't accept crypto directly. Give it time
