Why can't my loan advance be put on my turboTax debit card that I already have rather than going through BS with Credit Karma?

The terms of the loan require you to use a credit karma card.   If the loan was offered to you and you want to accept the loan, you agree to the credit karma card.   If you do not want to agree to the credit karma card then do not take the loan offer.

https://turbotax.intuit.com/refund-advance/