Relative to

• people who don't contribute to a retirement plan—and thus their employer contributions and match
• people who don't carry health insurance—by choice
• people carry credit card balances—in excess of 10% of their income

all of whom I seem to meet distressingly often, I am not too concerned about people who forego a few thousand FF miles, although I'll bring up the subject. Though I suppose at a certain scale, an FT intervention might be in order.