Credit card companies are mostly parasitic middle men but I have a credit card that I use for most payments and pay off the balance every month and effectively get 2% cashback with no interest costs.
The actual rates charged to merchants are variable, and typically higher for rewards/cashback cards. Basically, other people are subsidizing cards with higher benefits/cash back (of course as people shift, the merchant raises prices to compensate for the higher average fee, or just charge an additional Z% higher than your cash back)
It is easily one of the most stupid and arrogant business decisions in history. The Twitter brand was easily worth billions and changing to X wiped out an estimated $4 billion to $20 billion in brand value overnight.
I've gone chicken only. Mostly because pork and beef are too expensive. It is very hard to get 150+ grams of protein a day on a vegan diet. And butter is in almost every delicious baked good. Avoiding it is like having the worst allergy.
Ok I'll bite, how do you reuse the answer to "what color is the sky?" while also layering in memory, custom system instructions and custom response styles?
It's probably only memory that'd need an answer for some form of caching to be worthwhile (though I'd be curious what that answer is) since memory is on by default and rarely identical between users.
The rest are nice to haves, but not everyone customizes settings just because they are there so there will be some large pool of users with the defaults who could hit cache without them.
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