I'd be shocked if we had the data on people (gamers especially) who have the BoA premium card who don't put 70% of their spend on taxes. I don't know where one would come up with an analysis to label paying taxes as MS, it's literally the opposite. There's also state and and property taxes, which do not have the .00875 spread but certainly sweetens the pot and the simplicity that BoA offers with cashback is attractive to a lot of non gamers as well. They are giving people 12+ months to figure it out which is very nice. On Robinhood, with regards to gamers, which I assume is the majority with RH, the idea that they could nerf benefits has to be considered very high. This BoA thing has been going on for 8-9 years which in a gamers world is an eternity to have your hands out and collect.