Right, but what I'm saying is that the average customer is not taking enough advantage of the benefits in order to lose the banks money. So "average" should slip down closer to the "who use virtually no benefits" side, a bit further from system gamers.
Banks wouldn't keep coming out with cards like these if there wasn't money to make. These businesses are into squeezing every penny out of consumers wherever they can, and not offer even respectable savings account rates...so why would they launch cards and lose money? I don't think having a loss-leader is the strategy their going for...