When you learn many of the loopholes it's more a game than anything else. The problem is people use credit cards and run it up knowing they can't afford any of that shit. Only use your cards on what you have the "cash" to pay for at the moment. Pay it before the cycle closes to avoid interest. Only get cash back cards. It's simple really.

Besides there's rent, bills, kids, and life expenses so you some times have to partake in the fuckery before you can get to the other side.