All of your credit card transactions leak more and more of your PII data to the world. CC also sell all of your financial transactions to third parties. Have you factored in the cost of identity theft that results from you paying with a credit card to the value of being able to reverse that $20 ticket? Unless your identity (and the time spent rectifying it) is worth less the total aggregate of all the reversible transactions, you shouldn't be using a credit card (rationally speaking)