All cryptocurrency payments need to be direct if at all possible. I think gift cards and converting to fiat needs to be a very temporary thing that dies off soon we need to start getting people actually accepting this stuff. I want to walk into a store not with a gift card(which is just cryptocurrency to fiat) I want to scan a QR code and click pay and be done. It's ridiculous how people claim to live "only on crypto" yet they use fiat for 99% of their purchases. Let's make progress and not settle for the first thing. Converting to fiat needs to die, sooner rather than later.