Same here. Realized as well that stuff like gift cards on bitrefill are the same thing. It's just bitrefill that gets the Bitcoin, then probably sells for FIAT to get new gift cards from the shops.
So everything still runs on FIAT except of bitrefill. Not helping Bitcoin adoption.
But I still think that stuff like bitrefill or debit cards on Bitcoin has a use case for some. In terms of savings. It's a kind of a step of a transition.
All-In FIAT
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veeeery bad!
All in Bitcoin with Bitcoin Debit Card
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Not optimal but way better because you avoid monetary inflation. But can pay everything from daily life.