Armchair CEO is a real thing on FlyerTalk lol. I think it's one thing to criticize the company as a customer (ie "Hilton daily housekeeping eliminations sucks") and another thing to pretend to know better than the teams at these companies (i.e. "Chris Nassetta does not know what he's doing"). Oftentimes, it is the decisions that punish the over-optimizers (us lol) the most that benefits these companies the most. For example, the CSR no longer works for me as a card but I have no doubt in my mind that Chase knows exactly what they are doing with these changes.

I particularly think criticizing Amex is strange because they famously have a) top tier data science talent (like HFT level) b) some of the most comprehensive data sets in the world. I have full confidence in their ability to identify and successfully market to the most profitable customer base for them.