I'm thinking of a few specific ones. 2 or 3 members who fly first class more than once per year. If you also know that these trips to some extent are work trips as onboard couriers you realize that they also earn their points for the other trips this way.

None of them is an account manager in pharma or works for McKinsey or similar way that could explain frequent travel with 'limited' income.

And as nacho mentions there are ways to earn points for free through various means.

I think the challenge for the EBD will be to explain to SKV that it's more complicated than earning miles through flights only. I don't think SKV understand where the majority of points come from. I'm also not sure it helps to say you pay things on behalf of your company with your personal card.