That was kind of a whirlwind. You seem to be saying 1) "rent seeking" is specifically about passing savings on to third parties, 2) credit cards are bad because

That was kind of a whirlwind. You seem to be saying 1) "rent seeking" is specifically about passing savings on to third parties, 2) credit cards are bad because they're a tax on the poor, 3) you use them because (like me) you are incentivized to, but 4) you "feel bad". I don't think I can unpack all of the social good / feel bad stuff, but there is no way credit cards are the definition of "rent seeking" unless we combine the HN dogma that "rent seeking = bad" and your opinion that "credit cards = bad" to get "credit cards = rent seeking". Which I don't buy.