Always the successful people who are most paranoid...
I don't have a store where I can buy VGCs and Reloadits at the same time, but two stores I've gone to say they will accept debit for Reloadits. I guess I can now go from OV to Reloadit, at least until a cashier decides to call me out on using a gift card as a debit card. That will be fee free with the T-Mobile card though so not too bad!
Who knows how long that train will last.