Governments frown upon KYC-less digital purse cards. Gotta force everyone to share their national ID number to just open a bank account to keep out drug dealers, terrorists, or NSFW game peddlers.

Banks generally don't like disposable digital purse cards. They make money off fees and interest. If a product doesn't rope you into a customer "relationship" where you link your pay deposits or later might get a mortgage or car loan they can only make money off fees. Enjoy paying $5 to activate a $100 prepaid debit card!