I think there are already one or two, maybe even more companies that offer to load your bitcoins into a debit card, and they do the conversion of the bitcoins to the local currency on the fly per current exchange rate, just like your rubles would be converted to the local currency where you travel to on the fly per current exchange rate of ruble-to-USD or some other currency. In short, if there is demand for it, there is a solution. The debit cards are here already, they are not credit cards yet, but you can't argue that credit is money, because it's not. Credit is your liability to the bank. Debt is the money of slaves. As long as there is more demand, there will be more companies offering debit cards with competitive rates of servicing them.