I do understand where you are coming from, if you are in a good position financially, something like this isn’t an issue. I’m in a spot now where it wouldn’t be an issue for me now but I have lived it in the past. While things like this are fine for people financially secure, it can absolutely snowball for the people it’s intending to attract. It looks easy to manage at first because it’s just a small payment of four, but then you think you can do another or forget, etc, and before you know it, you owe a lot of money without realizing it. I know that financial responsibility can help but it isn’t always that easy, especially with something like this enabling irresponsible spending and being bombarded with “buy, buy, buy” in society. I just think that any benefit I would get from this from rewards just isn’t worth it being available for others to be exploited and getting into needless debt. Things like this make the fact that we’re getting into late stage capitalism more glaring