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Will I would really love you to be right about something so I could agree with you and end this obsession you have with thinking I am trolling you but I am afraid you are wrong on this one. (as you were about me once asking you for help with my site which if you re-read the thread in question I NEVER did).
This is no different whatsoever to something like Payoneer (that is also FDIC insured). I will give you that its potentially one step up the food chain from epassporte, but that said so are one or two of the other similar "middlemen" who have cards issued by FDIC banks.
On the plus side, I must commend you on posting this without your clickcash affiliate link.
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