Or you might not, if the only choices are to buy stuff from their shitty Company Store, or convert to airline miles. I don’t need more stuff, and we don’t fly much. There seems to often be an option to convert to cash, but that’s usually a penalty choice. So we dumped the points card(s), and mostly use the Apple Card, which is just straight X% cash.

Regardless, if I’m going to play “maximize value of effort expended”, I’ll fire up the Xbox and play an RPG. I’ll get a lot more pleasure out of that than playing with credit cards. OTOH, plenty of folks might consider Octopath Traveller a waste of time, so to each their own.