I’m too much of a cheapskate to carry a balance and pay interest. And it’s my cheapskate tendencies that makes me use the credit card for everything for the benefits.

I 100% get it. I have minmaxer friends who do the same thing, are very good at it, and will never get into trouble. My thing is, revolving credit is a default in the US, and it's not a sensible default for most people.