I earn most of my points and miles through credit card bonuses and spending. I don't travel for business but have still managed to rack up a considerable amount of miles/points in just under 3 years and I know there are others on these boards who can put my meager earnings to shame. You don't have to be a business traveler anymore to take advantage of the reward programs if you are looking for free flights and stays.

If you're looking for status, however, that is a different story. Most airlines and hotels require paid flights and paid stays to reach the statuses that will get you free upgrades and that can be difficult to achieve if you don't have a job or business reimbursing you for those expenses. Of course, if you earn enough points/miles from your spending, you can book business or first class instead of hoping for an upgrade.