Because it costs $100/year for the membership so you have to earn that back to break even and it keeps getting more annoying to use.
Discussion
This
I really wish they continued using lightning to pay for stuff. Since they came out with the card they completely ignored paying with lightning.
That too. Don’t give me that “It’s on the roadmap” bullshit either. How long is this road we’re talking about? They’ve been in business for 9 years.