"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.
Bitcoin as a direct payment system is unlikely to take off because it's astronomically more unforgiving for the masses that are prone to all those failures. These third parties exist because the market wants them.