I tried to navigate the terms and conditions associated with a Fold account and eventually got overwhelmed. The basic Ts & Cs are 33 pages not incl Privacy Policy. To link my bank account to the Debit card would require agreeing to the Plaid Privacy Policy (34 pages) and also Astra Ts & Cs (13 pages). Then if I want Exchange Services I have to agree to BitGo’s Ts & Cs. So my customer info would just proliferate to all these companies. It seems complicated. Plus, as I understand it, the only way to not pay fees when moving my money onto the Debit card is to set up direct deposit from an employer. So I’d need to really commit to moving away from my bank to take advantage of that. Otherwise it’s a1.5% fee to move money onto the account (capped at $25 per transaction) plus another 1.5% for BTC buys unless I pay $100 annually for the Fold+ program to avoid the exchange fee. I can see the potential benefit, but it seems like I’d need to redirect virtually all my net salary, all my bill payments, and all my credit card spending through that account and/or their credit card to really come out ahead. That’s a total upending and switchover away from my bank checking account and current credit cards. I understand that’s exactly what Fold is angling for. Not saying I like my bank. I actually dislike my bank and the paltry interest they pay on my balances. Are the benefits of switching worth it? If I went all in to rearrange my current setup the rewards could stack nicely. So far, by simply downloading the app, I have accumulated 75 free sats from daily spins of the wheel. But I guess I need to have 30,000 sats before I can withdraw to an external wallet. Oh well, that spinner pays better than some nostr zaps!