Prove me wrong - Crypto.com app and cards are a sophisticated rug pull of retail investors

I was an early adopter of CRO and it along with BNB kind of introduced me to cryptocurrency a few years ago. I rode the initial wave to ATH with a lucky exit. Over time however, my fondness for it has given way to disgust for how exploitative it is as I have learnt and moved to other platforms.

My take is that unless you are planning on using just the exchange, CRO Visa and the Crypto.com apps are a sophisticated rug pulls that are farming individuals to profit and subsidise its platform build for sophisticated or high-volume investors.

Average Joe's can expect to lose money at nearly every turn. It will almost always results in a loss in principal amount if you are locking up money and meaningless staking returns unless you are extremely lucky in timing like I was and you religiously convert your rewards to BTC weekly and get lucky that way (most people forget),

Examples of the ways you will lose include: high spreads, 180-day lock ups/stake hold, unstake hold, bait reward structures with more attractive rewards at the beginning of bull runs to lock people in so ATH selling can be done by higher volume investors, inactive card fees, card replacement fees, withdraw limits, inflationary staking rewards, higher shitcoin listing ratio, random account freezes and so much more.

Prove me wrong!