I am well aware of the fact that service like is not easy to operate because if it was, we would have dozens of them while situation at the moment is diametrically opposite and from what I know, there's not a single one that continuously works for a couple of years, as that's what is needed to call something reliable.

Now that you mentioned the one that exist and works fine, are you referring to Coindebit? Afaik they paused their service 6 months ago as they are changing card issuer and who knows when they come back, so they can't be called reliable either.