Re: They call these "savings stamps" or "green stamps"
"Today, you can get special debit cards for your kids (or employees) that are only good for certain merchants, certain days/times/locations, or even only certain specific products."
Those are good for things like petrol where an employer is providing a car and fuel, but doesn't want an employee buying non-deductible things such as coffee and buns. A parent may want their kid to have money for a bus, but not be able to spend it at the sweet shop or to book a train to the coast. These are special use cases and turning them into a general use case is not going to be progress (opposite of Congress).