both mastercard/credit card and banks are still the same because they are connected to each other .also , i dont think they are easy to use because if it is then cryptos and other payment methods should not have been invented at the first place .
not all people can open an account thru banks and get their own personal credit card because it takes time and so much hassel to issue a credit card. On the other hand , cryptocurrency is still the best and most easiest way to use for spendings mostly online but nowadays they are now slowly implementing the use of cryptos offline.