That's right! I think I've actually read that link before. AskSebby may be a shill, but he has some good original material.
As for DH's pop up, I'm still thinking the easiest way might be to throw $1k or maybe even $2k in VGC/MCGC on the Amex Hilton to see if it won't get rid of the pop up. If you get the Metabank-issued MCGCs from a supermarket, they're still liquidating with only a 1% fee via Plastiq; or you can ask
@vanjust14,
@MrPTato, and
@Natgridenergy about liquidating via MS in the greater NE area. If you want to go wild on the Hilton Biz, you can earn a Free Weekend Night cert by spending $15k on it in a calendar year. That should make Amex happy again.