What I want to do is send btc to a debit card in the United States. I don't care about buying BTC. What I want is a nice visa/mc type debit card that can be used at any atm. Then I just want send btc when I want to a bitcoin address. It will be converted at mtgox and the balance minus 2-3% sent to the card. I want to be able to check the balance at the atm machine. I want to be able to use this at grocery stores and fast food joints too. I don't want to have to log into an account.
I want to use BTC as a full reserve bank, then use the btc at regular stores when I want it. I don't care about btc to btc commerce for this. I don't want the balance stored at an e-wallet site to be later hacked. I prefer there not even be a website to check my balance for security.
You can get it today indirectly:
PayPal has a VISA debit card (w/ 1% cash back) which draws from your PayPal balance. BTC->PayPal is one of our 6 payout options.
You can sell coins and make a purchase on your debit card in less than an hour. If you have a PayPal account I recommend getting the debit card "just in case". There are no monthly fees.
We will be adding a direct to Prepaid Mastercard as one of our payout options in July.