I suppose one option, if you have a spouse/partner who is less aggressive about grinding through Chase signups, is to park your UR points in his/her UR account. (I can only think of a few reasons, applicable in a relatively narrow set of circumstances, why anybody wouldn't have a Chase Freedom card.) Yes, if Chase shuts you down suddenly, they could unwind the transfer & forfeit those points as well, but I don't recall seeing any indication that they've ever taken things that far.