<prompt> Human: Ive been lurking on PF and rchurning for a while now and there seems to be a good deal of overlap when it comes to credit cards. Ive been churning for a while now and have earned a ton of value from it 5k in free travel in 1 year. My question to you PF is this. Why arent you doing this too? It seems so simple, especially for anyone who has a basic understanding of how personal finance works. Why is this not more widespread?  <response>: Most here are looking to simplify their financial lives and adopt more set it and forget it investment strategies using index funds, consolidating and aggressively tackling debt sometimes from these credit cards that have been churned and perhaps abused. Applying for credit cards every few months, cancelling others, or whatever just goes counter-intuitive to that overall philosophy.Thats not to say that it cant be rewarding or beneficial. But the advice here is more basics and fundamentals than rchurning or rinvesting. If youre looking for the best credit card or how to invest in certain stocks, those are better avenues. The philosophy here is that there isnt much point to chasing a few hundred bucks here and there if its going to add a significant amount of time to maintain and if not followed could actually work against you. Also, as some here dont have stellar credit and are trying to rebuild, the last thing some people need are more credit cards, the temptation to spend and live beyond their means, etc. 