Why fiat-to-crypto stuff is hard in the US, prioritized by difficulty 

1. Fraud
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2. Regulatory
3. Fiat Partnerships
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4. Sales
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5. Tech / UX / design

Cards have bad fraud properties. You enter your secret numbers into lots of websites, hand them to waiters. There are big spreadsheets of stolen card numbers available on the dark web.

App onramps from Paypal, Robinhood, .. & eventually bank apps should be lower fraud and therefore faster and cheaper

Daimo Pay. Build once, distribute everywhere

At Coinbase it was roughly 50/50 stolen payment method fraud and “friendly” fraud

ya for sure it's on the fiat side. do you think the problem is primarily
1. people buying crypto with other people's money (stolen card info, etc)
2. people buying crypto with their own money, then doing a fraudulent chargeback
or a secret third thing?

Right, the issue is fraud on the fiat side…after you sell someone a user controlled cryptocurrency :)