That was my thoughts. When using a credit card, one isn't really using their money. It is the bank's money and they don't want to touch it. Right now, my checking account is connected to Coinbase. I have established a consistent relationship with my bank and Coinbase. I'm using my money not the bank's money. I'm just storing my money in my bank then sending some of it over to Cryptocurrencies to Coinbase. (At least with the United States) unsure what other countries are doing.