Like it has been said, the PayToo debit card is an option, it is not a requirement. It's up to everyone to decide what's best for them. The $10 discount just makes it more affordable. There is nothing wrong with giving a discount.
The debit card is a convenient way to cash out your PayToo balance, on a local ATM, or to make a purchase online or offline using said balance.
Everyone will have their own reasons to get the card if they wish to. The reasons that may feel wrong to you may be right to someone else. It's everyone's own decision to make.
As for the fees they charge, if you don't believe me then you can ask them yourself. There's no need to create doubt. The fees are to be charged monthly always on the same day and they won't charge for previous periods when new funds are added to the card.