Until more places give cash/bitcoin discounts, the overall effective cost to me as an individual is the same and even less with credit card once rewards are acc

Until more places give cash/bitcoin discounts, the overall effective cost to me as an individual is the same and even less with credit card once rewards are accounted for. I would like to think that less responsible card users are financing my rewards with their interest paid while those of us who use credit cards just like cash (pay in full every month) are gaming the system a bit.