This is a very odd take. To me, it's a way to transfer additional income--for people who make a lot of charges on an expense account--to an individual that isn'

This is a very odd take. To me, it's a way to transfer additional income--for people who make a lot of charges on an expense account--to an individual that isn't taxed. While the credit card transfer rate is high in the U.S. rich and poor also shop at different stores.