Why? Debit cards don't exist in your country? You can get an international BTC Debit card and it work as long as your stores accept debit/interact. And then you can use BTC all over the world with online sellers.
Really? Not sure what card you're basing this on but even the Bit-x one, loading is free. Its not even loading, it just use your BTC wallet balance. The catch is currency conversion rate, they keep 2.5-5%.
That i cannot argue, is too much. And the limit for anonymous is 300$. For a daily things, doing the grocery, buying small stuff, its perfectly sufficient.
But its true i don't do it that way, its still too expensive. Instead, now i just sell BTC and send the money to my bank account. I used to use Bylls.com to drop it in my credit card, but now Coin Base support Canada and its 1%+1$ but Coin Base price is 1.6% over BTC price. Meanwhile the transfer only take under 1 day.
I wouldn't really count in using Bitcoin debit cards as buying goods or services for Bitcoin. This is just a workaround of us, the Bitcoin community until we don't grow enough to be able to spend our BTCs directly with merchants.
And this is also a quite expensive workaround and I don't see people using this in a long run. They are better off paying with their credit cards and use bitcoins only with merchants that accept them directly.