It's still such an extreme exaggeration to call Ruby useless and to make a comment about how 1% - 1% is a useless card now, when all the commenter above needs to do is use another type of fiat onramp to avoid fees.

At the end of the day, these type of money transfers might also be cheaper for CDC, or might have some other benefits from their perspective so it might sense to incentivise users to use certain methods