the "2% cash reward" and "miles" etc. is common here in US because our cards charge the merchants already a lot. So sure we all overpay everything in US becaus

the "2% cash reward" and "miles" etc. is common here in US because our cards charge the merchants already a lot. So sure we all overpay everything in US because of the credit cards, but we get a small piece back. Now, would it be nice to not overpay at the first place. Technically we could re-implement the whole thing (instant payout, fraud detection, etc.) like Brazil or India did. It would bring more than $100B back to the US consumers every year, that could be spent elsewhere.