Put it like this...most people have had CC debt at some time or another. It really sucks to pay off because it's a sunk cost...you're paying for basically nothing. Sure you may have gotten something before, but now paying it off sucks because it's taking a chunk of your disposable income for again, basically nothing.

Now imagine that you could tell the CC company that you just weren't going to pay anymore and the only thing they could do is not give you anymore ************. No legal issues, no bankruptcy to deal with...

Eventually, sadly for his creditors, I feel like cs4 will stop paying. he may try to make it seem like it wasn't his fault, but as bad as he's got the gambling bug it has to kill him to give away these points for 'basically nothing' (like a CC bill)...

Fun's already been had and beyond a 'stiff report' and a public shaming, WTF can anyone do?