so it sounds like the convenience is being able to refill the card when it runs low by walking through the conversion process from STEEM/SBD to the crypto of your choice to the card where you put the fiat on it. The need to exchange STEEM/SBD for a crypto before you get to fiat still exists.

Is this process any faster than it would be just depositing the once converted fiat funds into a bank account? Or is the whole idea to avoid the bank account?