I think this is a very good idea: buying zero using a credit/debit card directly from the zero website.
The zero website could act as an intermediator between the retail customer and i.e. cryptopia, and save the retail customer from the hussle of registering in the exchange, then convert fiat into btc and then into zer.
This could be revolutionary for a crypto and I think it should be considered seriously.
I have no idea how feasible/easy it may be, involving financial regulations etc, but it could help make zero accessible to a much wider customer base.
I had a business with merchant account some years ago, real credit card acceptance ability. Unless you have inventory and big income or spectacular credit its not a simple task. Agents show up to photograph your inventory and prove your legit. At least in the country i live but i guess all banks are the same. This whole concept about "merging" cryptos and big banking i find to be appaling. Cryptos are here to replace the banks not bend over for them.