I agree with you, BurBunny, on all points. And I remain frustrated that I've spent a bundle with HAL both on nice cabins on onboard spending, but all I get are single day credits for those past cruises. From now on suites count double and $300 spent onboard gets you a day credit as well, but that doesn't help for the past.
I'm also disappointed at the meager rewards until 4*, and the fact that many of the 4* benefits are actually included in the cabin fare for suite passengers. HAL is indeed trying to tweak their onboard demographics, and I'm not sure I like being "tweaked" out!