Burned up my credit cards for fuel.
I just pay mine off every month and get free stuff back. When I and Mrs. Lonesome took a cruise, I paid with Discover and the kick back from Discover was worth more than a $50 gift card from Kohl's (where Mrs. shops anyway). If I hadda pay interest on the credit card, I would have have paid cash or check instead.
Thanks for the dough, suckers.
Basically, "finacial reform" is a wealth transfer from the frugal and careful to the clueless and improvident.