Do you think it is Millennials who are gutting these loyalty programs? I'm not aware of anyone at the C-level or SVP level, the kinds of folks who would be able to make these decisions, who is young enough to even be considered an early Millennial. So maybe you are preaching to the wrong choir?

Trust me, we Millennials have spent plenty of time hearing about all of the very, very bad things we have done - and strangely, most of them happened before we were old enough to drive, yet it's always still our fault somehow...

The funny thing is that you keep using the eyeroll, which strikes me as a very stereotypically Millennial thing to do.