I believe we should have options and if there is better alternatives that crop up then that's good! At the moment Hive has zero options. There is no direct fiat VISA debit card or anything of that nature. I am sure Hive users would like to have something like this at a minimum. Additionally, this is just the first step. It's possible those fees will change in the future or be negotiated. It's better actually get something that works first. 100% of the users will be hivers which will benefit greatly from having such a thing.