What I take from any research into blockchain technology is that it is being tried and tested, debit cards will make life a lot easier for many. By trial and error one will eventually push through into real world use.

Not everyone will use an app for payments, debit card ensures money in a card prior transaction, building a bank around a token sounds like the "cart before the horse". Implementation of cards is one topic, banking another in my opinion, too many are trying to become single entities rather than pooling ideas and growing something substantial to offer the world.