1. You can solely just buy a debit card
If you just buy the debit card. The card is yours. The card is paid for. There is no $240 a annually for the card.
2. You can choose to become an Independent Business Owner by working from home.
If you chose a monthly business plan. You get the services that you opt for in the select business plan that you choose. I'm not going to list everything because it's right there on the website... Mehr anzeigen under the learn more tab. You are choosing you're own option to run you're business by paying either $20 or $50 or $70 a month for your business.
So if you're only paying $240 annually for a $20 business plan you just became a business owner for cheap compared to other businesses. This business has a well laid out business plan.