It sounds like they did the user research and found that having an actual debit card was a big part of the draw of the app.<p>I could believe that.  When I was a college student, it was a <i>big deal</i> when my parents got me a credit card.  Even if you are limited in what you can spend, it shows that you&#x27;re integrated into the same financial system that adults are and can make your own choices with money.  You don&#x27;t get that with a virtual currency or parents dispensing out $20 bills.