There are accounts that are very good at one thing.. finding the one technically accurate detail in a story and using it to smuggle in everything else.

The on-ramp KYC point is technically accurate. Regulated fiat providers have their own compliance requirements. One true thing.
Then everything that changes the meaning of that true thing gets left out. Starting with who @arca_wallet is actually built for.
Global Mobile-First Users: People who may or may not have a bank account, whose phone is their financial hub.
Remittance Senders: Workers abroad sending money home, currently paying 3-10% in fees. Dollar Savers in Volatile Economies: people in Latin America, Africa, Southeast Asia and Turkey protecting their savings from currencies losing 20-50% a year.
Crypto-Curious Newcomers: People who have never touched a wallet and don't know what gas is.
Not one of those audiences is "someone in a regulated jurisdiction with an existing bank account using a card to top up."
That is the exact user his critique is aimed at. It is not Arca's target market. He knows this.
A remittance sender's family member in the Philippines receives USDC directly to their Arca address.
🚫No bank.
🚫No card.
🚫No on-ramp.
🚫No KYC.
Someone in Argentina holding digital dollars against a peso that lost 54% last year isn't funding through a bank card.
These people often can't access the flow he's describing because they don't have a US bank account to begin with.
That context was available.
It was left out on purpose.