I hope someone builds this product because I love people to have options

Unchained had a product like this, but they deposited the fiat directly into your bank account, and they recently shut it down

Hodlhodl still has a product like this, but they give you stablecoins instead of "normal" money, and they don't accept US-based customers

Making a version that works in the USA would give more people access, which is good

That said, I would not use this

I don't want to give someone 2 of my bitcoins to get a fiat card worth 1 of them

How am I supposed to get my bitcoins back? Normally in schemes like this you get your bitcoins back by paying back the fiat over time, plus interest. If bitcoin's price falls too much, they can keep your 2 bitcoins. If you show up on the OFAC list, they can keep your 2 bitcoins. If they get hacked, bye bye bitcoins. If they turn malicious, bye bye bitcoins. If you miss a payment, bye bye bitcoins. If you lose your job, or get sick for a while, that's a real risk.

I would rather find merchants who do accept bitcoin and pay them directly, without a fiat middleman

And don't underestimate Grandma. Your grandma lived during the Vietnam War. You think she doesn't know about hardships? You think she can't handle learning how to type a command on a terminal? She's stronger and more capable than you think.