The backbone of crypto cards

We all know who Vitalik is or what Base is but we generally don’t know/care who issues the Visa card your DeFi platform launched.

The backend powering stablecoin cards the real-time conversion the compliance layer or the Visa membership it's all third party infrastructure that the crypto world largely ignores because it doesn't have a token or a price chart. These companies have more influence over how crypto gets spent in the real world than most protocols anyone here follows. With stablecoin legislation moving forward and volume growing the infrastructure layer is going to start getting a lot more attention, let’s say something goes wrong with your card who would you hold accountable the platform you use or the company that created the card for them?