I had a Wirex card for a while before it got shut down in Canada. I also ordered a TenX card last year that never came (maybe someday). The cards are a good idea to implement in the existing system, but since the gatekeepers aren't going to let that happen, I think the key to being able to spend crypto conveniently is going to be getting merchant adoption in the long run. In reality, businesses don't care too much how they get the money, as long as it's going to them and not their competitors.

Coinpayments.net has a lot of potential here already. They except a lot (+75) of coins already, have online carts ready to implement into a lot of popular sites and other payment carts, and I just noticed CPS coin which looks like there answer to eliminate the wait times on BTC and others while accepting payments.