Exactly how I look at it! I proudly use Fold and tell everyone who will listen to do the same because they have been around for 3 or 4 years at this point (honestly not 100% sure since I have used them for so long). I used them before they had the debit card and use only sold gift cards and they tell you not to hold your Sats on there and when you hit the withdrawal floor of 50k to withdraw them to cold storage. I shamelessly plug my referral link since for those who have never signed up before can get 20k stats through my link lol!