[giarc]

I have likely spent 1 hour applying for cards, loading them into Apple Wallet over 3 years. If you are doing the math on opportunity cost for something you spent 1 hour over 3 years, you are already wasting your time.

To be honest, the $50k argument isn't comparable. It's like saying "Oh you have a side gig making $10k/year, why don't you just invest $200k in a money market fund instead?" First, someone could do both. And second, it's not even a logical comparison.