I fully agree with @Pangolin here. I find it odd some people people reply ‘this is not how they are supposed to use’, implying everyone should have same processes on conducting their business. Whole idea of Revolut et.al. is to disrupt, this inherently means observing what is done and how is that not meeting actual requirements.
What @Pangolin is suggesting isn’t for everyone and doesn’t need to be, it just needs to have value to sufficiently many to support the cost.
What is the cost Revolut is carrying on Virtual Cards? I have no idea, naively I assume that everyone who has payment card number prefix independently controls the 12 digit account number. If so, then if Revolut had 2B subscribers everyone could have 500 virtuals, but of course you need somewhat low overall utilisation rate to make misuse harder. So question remains, what is the cost?
Personally when any of the challenger banks comes up with plan with reasonable number of virtuals at reasonable cost (say <=10EUR/MRC) I will switch to that provider. Reasonable to me is at least 20 preferably more like 50 virtuals. Ideally even lock downs on WHO can charge there, when and how much, to very cleanly nail down MRC/YRC to intended party.
My use-case is identical as with @Pangolin, I want all my reoccurring charges to be on their dedicated cards with dedicated monthly limits. So I have trivial way to get rid of charges and very small exposure on card being misused (only as much as service MRC/YRC allows)
On some markets particularly elderly are essentially scammed to enter into minor MRC contracts on their credit card which are extremely difficult to get rid of.