[aitrean]

Debit and credit are the only methods for commerce with almost any third party. Transferring and escrow payments require direct channels that Wells Fargo does not want to negotiate. Regardless of differences between debit and credit, debit is at least backed by direct account balances. Credit is not. Chargebacks would also be a nightmare for credit cards.

Even if it's deemed unacceptable to disallow over-risked services like credit cards to purchase cryptocurrency, then the beauty is that cryptocurrency purchasers can migrate their loans, and savings to another banking provider who will service the headache of credit-backed cryptocurrency investments.