[haswell]

That’s totally fair if you’re booking at well known and reputable places.

My point is that not every location fits this criteria, and the cost can be very real.

I fully shared your mindset until I had several major issues with smaller places that easily cost more than whatever value the points had.

I’m now more careful about who I use based on where I’m going. There’s still value in the points, no doubt, but risk as well.