Totally -- if the government passes some law that says, for example, credit card companies can't give out 5% rewards, but only if the prices of goods drops 5%,

Totally -- if the government passes some law that says, for example, credit card companies can't give out 5% rewards, but only if the prices of goods drops 5%, I would be 100% in support of that. Until that happens, I'll take the 5% cash back, since it is preferable to 0% cash back while paying the same price.