This is why an unsustainable cashback scheme is more harmful than anything. This is why you own the $AVICI bank so you don’t end up being downgraded from a founding member to an average customer.
And by the way, I do think @AviciMoney should come up with a model that incentivizes people to spend more, but it’s got to be sustainable. I earn enough points for a long haul holiday every year with my tradifi card, which is the only thing stopping me from moving all together to Avici. They are able to do this sustainably through e.g fx fees and good volumes.
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