Originally Posted by
cashback
There isn't really a right answer to these arguments. Yes, there are ways to MS without paying any fees at all. You can argue what the "true value" of points are until you are blue in the face. The answer to that is different for every person.
IMO, doing half your MS with points and half with a 2% card to offset the fees is very flawed as well. If you value the points you earn greater than the 2%, you should just churn the points card. If you feel the points are worth less than what you get with a 2% card, you should just churn the 2% card.
I love your argument. It's very logical. However, many people have difficulty on valuing their points. So they play safe. At least they know their points are free and it gives them peace of mind.
I just love my points. $200 doesn't make me exciting at all. But 20000 points make me feel good. I know I'm silly. I just love the points game. Counting my points is better than counting my $ because it's much larger and make me feel I'm rich with points. It's so difficult to get one million dollars and it's much easier to get one million points