I See nothing wrong with your logic, debit cards with proof of transfers seems fine, you still have the issue of "who goes first?" i think, but that problem is beat by an exchanger with a good reputation... Someone putting exactly that together is not only going to make themselves extremely wealthy through fees, but are also going to open up a floodgate of new buyers that are currently in that limbo where they would buy if it were easier to do so, and who knows how big that market is. All the PR of late would be so much more usefully if people could easily buy BTCs.
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