Originally Posted by
mapleg
He must be thinking of FT when he say this:
You shouldn’t need a Ph.D. to be able to enjoy rewards. While incredibly complex programs might benefit a very small number of particularly highly engaged customers, we don’t feel that’s the right decision for the broader community.
He ignores the fact these "highly engaged customers" spend a lot of money with AC.
The complex rules benefit travel hackers and credit card churners too, who are far from being big profitable spenders 😈