To illustrate - I have an acquaintance who transfers money between credit cards to take advantage of points, and sign-up offers etc. Were I to engage in such activity myself - assuming I know anything about myself at all, it is that I will 100% forget some detail or date and end up getting charged all of the delayed interest making me worse off than if I didn’t engage in such a scheme at all.

So it’s like that. Rather than chasing some optimization in a half-ass manner, I’d rather just pay off the debt and pay less of my money to the bank.