I hope I am not nitpicking, but there is nothing like a "bitcoin account". There is either the bitcoin wallet or bitcoin address. But bitcoin wallet works differently than ewallets (where can be a debit/prepaid card associated and therefore you probably confused it a bit).
Bitcoin wallet is either online or software or hardware storage of bitcoin addresses. The bitcoin addresses is the virtual place, where the bitcoins are stored, from where they are sent etc.
The bitcoin wallet and the debit card can be provided by two different entities. When you go with software or hardware wallets it is even impossible to have somehow debit card attached to that wallet, because you are your own wallet provider and you manage the addresses. Some online wallets indeed have debit card connected to the wallet (Xapo, Bitplastic etc), but some cards are different and they are just the card. Then the card indeed has an address but you do not have private keys and the funds you sent there beofre are usually locked at the card or you can recover them to free btc only for a fee.
So it is important to know upfront what you are going to do with bitcoins. My suggestion is that if you are going the spend the btc during the month, you do not want to have troubles with exchanges and you have no problem to pay like 2-4% extra fees, then the online wallet associated with debit card is the way to go.
But if you are not going to spend all the money via the card, or you want to save a bit, or you want a more secure way or you can not say upfront what you will do with the bitcoins, then store them in software/hw wallet and from there you can always send as much as you want to a debit card, exchange or spend them directly with merchants.
If you talk to God, you are praying; If God talks to you, you have schizophrenia.