I disagree. Yes, I see how they're really a scam, but I think the scam isn't quite what you think it is: the companies offering points are hoping that you won't use them. Of course, they know that people will use some of them, and that some people will maximize their use of their points, but the whole thing I think is basically trying to get people to use their card/service, but hoping they won't game the system by using all their points, maximizing their usage, etc.

If everyone stopped using the points they accrued, the companies aren't going to lower their fees and make things cheaper for people. They're already in an oligopoly position and don't need to lower fees. So anything that helps consumers make the most of these points, I think, should help reduce these companies' profits.

If everyone was really skilled at maximizing their points usage, I think the companies would have to stop offering them, or make them less valuable, so until that happens, by maximizing your usage, you're basically profiting off all the other people who are too lazy to do so, and also profiting off the companies offering these ridiculous schemes and hoping you won't use them very effectively.