That exact “more effort”, along with occasional lost/counterfeit/used GCs, is a dealbreaker for some or many people. Not as bad as MS which requires a visit to Walmart Customer Service, for which I personally would rather gouge out my own eyeballs with a hot fire poker, but for some/many people that juice isn’t worth the squeeze.

Of course, as with everything in this (points and miles) game; different strokes for different folks, one person’s meat is another person’s poison and it all depends (on several different factors).

(Geez, I feel like a professional athlete: so many clichés, so little time .)