Hey there fellow, pleasure to make your acquaintance! My business spend is in the $1.5mm range. I put in excess of $100,000 of that spend onto my personal World of Hyatt card expressly to acquire Globalist. I had enough nights at Marriott for Platinum but could not achieve that and Globalist both by stays. The Hyatts I redeem at tend to be in the 2.5¢ per point range. Once combined with the two cat 1-4 certs used in Manhattan or Nashville and the 1-7 used in Manhattan the opportunity cost of having used a chase card for 1.5 points per dollar approaches zero. The blanket statement you make about millionaires or high net worth people is not sound.