Well written, violently agree. Even though I’m a Doubting Thomas regarding Bilt’s long term viability, it doesn’t cost a penny to charge my monthly HOA fee and 4 other small charges, usually 2 grocery store self-checkouts divided to 2 charges each, for Bilt to pointsetize (see Wikipost first paragraph original author’s note last sentence) at no cost those HOA fees. Win win AFAICT. Only downside other than a bit of my time is that Bilt counts toward Chase 5/24.