crypto to fiat via debit card is a winning game to make it mainstream so people can spend their hard earn money in their local shop. It will be great if Zappl can work with Blockpay or Blocktrades to see if this can easily be done. Many things are going good there and we can combine those effort. Ocash (from OpenLedger) also working to bring crypto physical. I will love us to have like gifts card loaded with some Steem or SBD so that we can give as gift to family members and friends.