"soon be able to switch from real money to digital currency when paying with a single card
All 5 million of these people have moved actual money into these accounts".

I don't think these people know what real money is, much less Bitcoin. A lot of these startups seem to be missing the point of Bitcoin. They are trying to integrate the old insecure system with Bitcoin. Why mix in a card-like system that depends on a third party if Bitcoin already has direct payment options? You're just making it less secure.