Should Apple Have its own Debit Card?

John Detrixhe argues that Apple should release its own debit card to prepare for the wave of contactless cards.
But consumers typically avoid moving their financial accounts and tend to be faithful, even when they dislike the service. An Apple debit card is a chance for the Silicon Valley-based company to give customers what they want—for God’s sake—before someone else does.
I’m not sure I’m sold on this idea. For a debit card maybe Apple could work with the bank it uses for device financing. I think what would be nice though is for Apple Pay Cash to work more like its own bank.