Right, I guess it's really "nice little effortless profit!" This is why gift cards / loyalty balances are just crazy to me. For a little convenience, you turn

Right, I guess it's really "nice little effortless profit!" This is why gift cards / loyalty balances are just crazy to me. For a little convenience, you turn money into feudal coinage that only ever goes down in value: you see no interest, no adjustment for inflation. $100 on a gift card today is $97 (and probably less!) a year from now, ignoring completely the benefit the financial upside to the company for it. Now I'm all worked up …