[kweingar]

Highly recommend this podcast by patio11 explaining that poor people are not funding credit card rewards programs.

https://www.complexsystemspodcast.com/episodes/credit-card-r...

[skybrian]

I am normally a fan of patio11, but that transcript is a disorganized mess of quotations and side comments. Good luck finding a main argument.

The original essay also cannot stick with making a single argument, but is easier to read:

https://www.bitsaboutmoney.com/archive/anatomy-of-credit-car...