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In terms of banks rugging you, you can basically hold virtually everything in your self-custody in Bitcoin, and then connect your Lightning wallet to your wavecard for automatic topups via NWC, essentially allowing you to spend from self-custody (NWC coming very soon). This way, you only really need to hold enough BTC custodially on the card to cover for a single transaction (VISA still needs to be able to authorize the payment). In terms of control of what you purchase with the card, as long as the merchant can accept VISA, it should go through (minus some odd jurisdictions where VISA can't operate). And on top of that, you can set any name you want on your wavecard. Of course, you still KYC with wavespace, but at least from the merchant's perspective it's completely pseudonymous. If some merchant's customers' database gets leaked, for all they know, it can just appear that "Satoshi Nakamoto" was shopping there, instead of your real name.