unless i am misunderstanding the OP point...and being a newbie to this board...as i read the forums i think it is totally legit and maybe even "foolish" not to accumulate points/miles from cc purchases and the like..maybe what the OP and i find myself thinking about is the gray line regarding opening and closing multiple cc(the same ones), churning coins, etc...if you asked 100 people nobody i think would have a problem with miles from everyday purchases but some percentage would think it was "unethical" to churn cc,coins etc..or at least not be willing to do it..that was how i understood the OP's dilemma..