"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.
The "old insecure system" is user friendly whereas bitcoin isn't. That old system is insecure by design, it's built that way so that all the people that are constantly losing and forgetting passwords aren't constantly being locked out of their money and for all the people that are constantly getting phished, breaking devices, and getting malware they aren't at risk of losing everything with no recourse. It's a trade off between usability vs security.