Yes you're right but what if I don't want to send my money to an exchange for any given reason? Why should I do what you suggest?
I think, I already answer to your question in second part of my previous post. With bitcoin debit card you don't need to send your money to an exchange, simply spend your coins just like fiat money in any site or store. With E-Coin it is absolutly safe since they use incorporating
BitGo into their service, the best security standards in the industry.