Yeah, worry about what?
The hundreds of thousands of crypto cards they've issued to make money out of users who despite owning crypto think it's better to pay with a card that on chain? Really troubling, just as how banks are scared about the millions they've made in transaction fees in and out of exchanges, and normally both WU and MG would have been dead by now but WU had just a 3% drop after a record year.
True. But I think that the problem is not so much in users (buyers) as in merchants and still a very limited number of online stores that accept payments with cryptocurrencies directly in the shops. Although this would essentially lower the fees they currently pay to banks and card companies.
It's a bit ironic that people who own crypto are choosing to use cards that convert their crypto back into fiat. But unfortunately, it's often the only option for shopping at large online stores like Amazon or eBay. Until more businesses are willing to accept crypto directly, we're going to see this kind of behavior. It's a chicken-and-egg situation: more users will adopt crypto payments if more merchants accept them, and more merchants will accept crypto if more users are using it.