@stellabelle, that's a very interesting point. at the moment there are many debit cards and services available and it's a massive arse to move steem to a payment point at a grocery store.. it is doable but involves at least 4 steps and 2 or 3 sets of fees.
steemit could easily develop a debit card., but who would organise it ? that's the question.
you need a card issuer and a payment system backed by VISA, from what's out there already it doesn't look too difficult to get one going. I would happily hold a steem card !
this is one for the big fish to toy around with 100% upvoted
in the meantime wirex.com is fairly straightforward and fees are (at least) transparent.