Because capitalism.

I don’t think anyone was suggesting otherwise.

“THIS JUST IN!, credit cards offer reward points to soften the effects of data mining on individuals. It highlights the advantages of using custom lubricant on the broomsticks they are fucking you in the ass with.”

Some say it feels nice.

Also…gift cards? Wtf. Makes this comment sound fake af.

Everything you’ve proposed as an easy fix would not apply to the vast majority of end users; the target audience.