Technically the same I guess, you just have to refill it regularly ;-)

But debit cards doesn't necessary need to be linked to a bank either. Today you can have a crypto debit card and pay with say Cardano. It's like what people back in the old days would refer to as a bank of their dreams, i.e savings account with +5% interest, you're in full control, full privacy, and "backed by gold"* as in Cardano is market valued, just like gold so you won't suffer from permanent inflation, value can both go up and down, but generally goes up over time.