There is a large amount of the population who has gone through debt hell because they couldn’t control their spending on cc’s. Those rewards you get are literally because people can’t control their spending/had crappy life circumstances hit and are now paying 20%+ APRs. A few people are able to recover and then go back to using cc’s and never have another problem- but many others aren’t. I love the cc sign up game, play it to the max lol. BUT I absolutely respect anyone who says they don’t do cc’s. I don’t know their past, I don’t know their partner’s past & I don’t know their current situation.