That's a really good point. Even for a normal cheapskate like me, they don't need me to carry a balance to make money off of me.

Undisciplined

Yeah unless they all move to the US Bank Smartly 4% card... I don't see how that's sustainable for them, I imagine they'll be nerfing more and more benefits (disable for rent, tax payments, etc)

Those credit card fees are bank.  I think the typical fee is like 2.9%!  That's why they go after the rich customers.  Imagine skimming 2.9% off everything the rich peoples buy