SWIFT thinks they are being clever by building a protective moat around themselves. In effect, they are cutting themselves off from where value will shift over the long-term. When they come back with their tail between their legs, it will be too late. They will have made themselves obsolete.

Steller (XLM) and Ripple have done a decent job of circumventing SWIFT.

Ripple, for example, aims to work directly with banks to transfer value. They decided to focus more on the commercial side.

Stellar, on the other hand, focuses more on retail transfers and remittances. As a result, you can use Lobstr.co to load up fiat at your local CVS pharmacy, or any other Moneygram location like Walmart. I highly doubt that they'll impose a restriction of $100K loads.

Then there are crypto ATMs. These are a bit predatory with their fees. But, I think that's mostly because there aren't very many around. In time, I think their fees will come down.

And, as you mention, we can still use debit cards to buy crypto. And, on the other side, we can use Coinbase cards or Crypto.com cards to spend without having to involve SWIFT.