Originally Posted by
PAX_fips
So you have an "incentive" to add fresh points by spending money...
Might be come shocking, but this happens, too -- though the years are a bit more (3-5y "dormant", 10-15y to "claim"; search for 'unclaimed accounts').
But that type of "incentive" is the 'stick' approach not the 'carrot' method.
In banking the money isn't gone, you just have to go through the hassle of claiming it.