Just stop and think about the complexity of what MCO is trying to achieve. It is one thing to have a debit card in fiat, but quite another to have a card which can change crypto to fiat at the payment terminal. This single action will take considerable development to work smoothly. They may not be meeting their self-initiated schedule, but are probably close. The simple solution for the people waiting for the card is that if the interfacing of crypto is not important to you, go get a regular debit card from a bank. If the feature is very important to you, wait for a fully tested & functional system.
My understanding is that their first card will actually be more like a travel card, where you 'load' fiat currency onto it based the exchange rate at the time for the crypto you're swapping, and then whittle that away and 'reload' the card when you think exchange rates for crypto are favourable/you run out of money.
Also a later product alluded to by Monaco is a more traditional credit card, where you get a credit line based on the value of crypto you hold, and you can pay that back as you would a normal credit card.
It is also possible this credit card could instead reduce your crypto value by the equivalent of your purchase on your account/app - I recall they mentioned (I think in a Q and A) that under this system it won't actually convert crypto to fiat at the payment terminal every time you swipe your card. Instead, it will be 'off chain' and only be recorded on Monaco systems, and only be put 'on-chain' when you want to withdraw your money from your Monaco account/app. Part of the reason for this is converting crypto to fiat everytime you want to buy a coffee would lead to substantial fees (think of the bitcoin fees for example).
I'm pretty sure large exchanges do something similar, so you don't get charged huge fees every time you trade some random altcoin for bitcoin as long as the coins stay on the exchange. You only get slugged the large fees when you withdraw your crypto to your personal wallet as this is where the crypto definitely has to be put back 'on-chain' to your personal address.