They don't need a loop-hole. This is basically a semi-closed stored-value card, which are a grey area between debit cards and closed stored-value cards (think g

They don't need a loop-hole. This is basically a semi-closed stored-value card, which are a grey area between debit cards and closed stored-value cards (think gift cards). https://en.wikipedia.org/wiki/Stored-value_card https://en.wikipedia.org/wiki/Stored-value_card