A non kyc card doesn't guarantee that it's coming from a decentralized platform. It's only when it's a decentralized platform offering the card that we can be guaranteed that it can't be frozen. You also have to verify if it's an open source platform that's offering the card because when it's a close source platform, you can't verify anything either. There aren't many or any non kyc card offering platform that I know off. Before you can be offered the certificate to operate as a card provider, there are some government requirements that you'll have to meet and they have their qualifications too which you taking all customers kyc might just be in the requirements. Spend your crypto directly without the help of third party service and that's the only way you can enjoy your crypto truly decentralized.