-Bitrefill, you can buy tickets for Amazon, supermarkets, gasoline, clothes, leisure, travel, and a long etc.
-Xapo Bank, with your card I can buy anything I want without going through fiat.
By the way, get a life, you're a fucking pain in the ass, I don't even know why I'm answering you, you're a fucking troll.
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Bitrefill and Xapo bank aren't shops. The only shop you named was Amazon and I'm pretty sure they're 100% fiat.
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Exactly they are untrusted third parties that act as fiat exchanges for so called "Bitcoiners".
So maybe you can answer the questions instead. Feel free to substitute Monero for Bitcoin.
