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coinbase allows them to withdraw USD at any time (or so they claim). I'm pretty damn sure I've seen some similar services as well. None particularly stick out though. And nothing is quite yet wide spread. Most use is online, which bitcoin already supports. I could see a service like this (or as you described) becoming popular with "normal" people. Those who just deposit money, and can spend it like usual, with the other end getting USD as well. From the outside it'd look like USD->USD but the middle man would be bitcoin? bitcoin->USD would also be useful. It'd be nice to able to pay for lunch in bitcoin :D