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Humans are driven by incentives. For years, businesses have attracted new users and encouraged customer loyalty using fiat-denominated incentives. These rewards come in many forms: cash bonuses, points, air travel miles, purchase matches, product discounts, low introductory interest rates, and everything in between. In addition to offering this “value,” companies spend millions of dollars spamming the general public with TV and radio advertising and endless junk mail. Although it is marketed as a way to prioritize the customer, this impersonal “spray and pray” approach feels more like fishing for suckers. I’ve literally received 5+ credit card offers in my dog’s name. My dog is really excited for such an exclusive, pre-approved opportunity. He really is.

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