"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.
I don't think it matters. It's like if we had flying cars now. You'd start by integrating them on our existing roads. You wouldn't start by breaking down the old roads and thinking of how to best put use the new potential of flying cars. Maybe my example is all that wonderful, but I'm pretty sure that bitcoin hitching a ride on the existing infrastructure is THE best way to move forward.