> Well, these huge chains have bean counters that do exactly these kind of calculations, and in general, no. They are making more money in aggregate In aggrega

> Well, these huge chains have bean counters that do exactly these kind of calculations, and in general, no. They are making more money in aggregate In aggregate, that might be true, but that doesn't mean it is true for you. It is like coupons. In aggregate they make more money for the company, but individually the super couponers are making more money. There are a lot of systems that understand that a small percent of users will care enough to learn how to actually maximize return, but the other 95% or users make up for it. Credit card points is another good example. All the people that carry a balance and pay interest subsidize the few people that pay theirs off every single month and use the points for "free".