I think we'll see exchanges turn into a kind of bank service that will issue cards out. Kind of like this one...
https://images.cointelegraph.com/images/1480_aHR0cHM6Ly9zMy5jb2ludGVsZWdyYXBoLmNvbS9zdG9yYWdlL3VwbG9hZHMvdmlldy85NTQwNzU3NDllMWQyN2NmZDBmNGE2OWNmMjYyNzhiZS5qcGc=.jpg
https://cointelegraph.com/news/exchange-kucoin-enables-credit-card-purchases-of-crypto