As an older person, I found the Up approach a bit weird but I'm used to it now. I travelled in Europe for a month and found the card excellent. We had a problem with an automated fuel pump which took 150 Euros when it wasn't supposed to. I called the Up people and they resolved it in 45 minutes and had the money back in my account.
Our travel friends were using other cards and got absolutely hammered taking money from ATMs. Up doesn't do that.
I saw a review about a mortgage issue and have no experience of other services, but I'm happy that Up doesn't link with Bitcoin!