This is my 3rd country and it’s the first time I have run into these issues so I understand it can be difficult to grasp. But it is very common here in Germany for your debit card to be for physical purchases only. It has just the iban number across it rather than a credit card number and the shops basically do a bank transfer automatically which is much cheaper in fees and why many stores insist on this only and refuse credit cards. Credit cards here are primarily used for online purchases only and it’s standard to get a credit card account automatically along side your bank account. The reason this isn’t an issue for people now is they don’t use curve. I can use my EC card happily in any shop I want to with zero issues. In Germany and in any EU country I have tried to use it in. So it’s not a problem until you want to link it to curve. At this point I can’t because I have no credit card number to give curve which means I am forced to keep my ec card on me. And when I open my wallet it’s easier to just use the EC card because I know it will be accepted as it’s not a credit card and I don’t have a limit to worry about. Thus curve remains ignored.
I’m just putting it here as an idea because if curve could show up as a debit card (maestro) it would make it accepted across Germany instead of limited but that’s someone else’s existing idea already. And if it let me directly charge my bank account it would give me online spending without having to worry about hitting an arbitrary limit set by a credit card company. You asked why such things don’t already exist but they do. Google pay, paypal, amazon, paydirekt, Klarna. All these companies allow me to pay with my bank account rather than credit card online. I can happily continue now as I am but that is a curve free solution which naturally is a bad outcome for curve If curve entered this space it could allow me to cut out these companies and place curve in their stead and it wouldn’t require the support of the website owner as it does now. That’s a benefit to me and any solution that provides a benefit to their users does better.