Same friction shows up in crypto debit cards, just in a different spot. Custodial issuers handle the chain pick during top-up, so the user funds the card and spends without thinking about it. Self-custodial cards push the chain back at the user when they go to fund the Safe, and you lose anyone who got that far without already knowing which network to pick. Deposit is where adoption leaks, and you usually only see it after the fact in conversion data.