Are crypto cards really taking the place of banks, or are they just hiding them?

I have been conducting some research on different crypto debit cards, and I'm not sure what to make of it. A lot of the time, they are sold as "crypto-native," but if you look a little closer, you'll see that most of them still depend heavily on traditional banking systems. You have to deal with fiat conversions, approvals, settlement delays, and compliance layers. It seems like crypto is just sitting on top of the old system instead of replacing it. I understand that some level of integration is probably necessary right now. But when does it stop serving its purpose? If the whole point of crypto is to make things less centralized, shouldn't spending work the same way? Or maybe this hybrid setup is just how things are for now, and full independence isn't possible yet. I wonder how you all see it. Are crypto cards really moving things forward, or are they just putting the same system in a new package?