This is really a good innovation for bitcoin, one which will eas transactions and the usage such that it doesn't have to be an investment alone but one which can be used to meet up with daily needs,  before now it has been a challenge how bitcoin can be used to pay for daily needs commodities but free comes a solution..

So you may not really need the intermediary of exchanges,  just get a card and make sure your wallet contains some units of bitcoin and you are good to go, make your purchase and pay with your card , only that some persons will now need to learn to stay disciplined nit to be spending recklessly with their card because with this they need not stress about exchanging before spending their coins.