You describe a situation which you feel is unreasonable, don't like the responses, and that makes us haters

Here in the UK there was a case of a guy who had a profile a bit like you - low utilisation, lots of cards. He lost his job, maxed out on the cards and then killed himself. It turned out many of the cards were issued by subsidiaries of the same bank. Guess who got the bad press..... (and I'll give you a clue, it wasn't the poor guy who killed himself). That is yet another reason why what you want doesn't make business sense.