There is also this:

https://wise.com/help/articles/1AqrRndtxosydM2GLR3U6T/getting-started-with-your-wise-digital-card

You can get the digital card if your Wise account has a registered address in Australia, Brazil, Canada, the EEA (European Economic Area), Japan, Malaysia*, New Zealand, Philippines, Singapore, Switzerland, the United Kingdom and the US*

*You can only get a digital Wise Multi-Currency Card for your Personal account, not your business account, if you live in Malaysia.

Because rest of the world is civilized enough to not have gyms that do such an exorbitant thing. And also we have access to Revolut.

Of course, there are outliers, which is sad and I feel for them.