Honestly this is a very out of touch view. And you assume people don't do these things. Of course they do. Some don't. But you're making a broad generalization.

Honestly this is a very out of touch view. And you assume people don't do these things. Of course they do. Some don't. But you're making a broad generalization. People do check this stuff. Even then it's easy to forget about something for a few months. Or ask if your SO is using something. There are so many charges on a typical CC statement that spending time every day going through them isn't always worth it either.