I got one too and for me it has been super helpful is certain situations. I live in the bush of coastal peru and even my corner shop accepts it. To boot I get satoshi's cryptoback.

I thought it was linked directly to my crypto on the account, but you have to sell it first for cash and then top up. I don't mind, but I don't keep too much on there either. It is a great gateway in and out of crypto.

My normal account doesn't give me any interest (greater than inflation), no cash back on in store purchases and takes forever to move around (at added cost).

Sooner rather than later, peer to peer crypto transactions will be the norm.