Not all churners are MSers, but almost all MSers are churners. The OP seems to be in the latter category.
I agree the churners are easier to shut down, but I'm still surprised with the amounts of MS various people here and elsewhere claim to get away with, and the length of time they've been allowed to get away with it.
Unless one's reported income is well into the six figures, it's borderline inexplicable for anyone to be running $10,000 or $20,000 per month through their CCs, especially personal CCs.