Photo by micheile henderson on Unsplash
Savings where you pay the bank for using it; the more you use, the more you pay.
Medical bills might be more than now, but rather a fixed broken hand and debt than being unable to work like you once did.
Banks are highly motivated and incentivized to keep you using your new-found savings and typically have a way to keep you there, cosy and all.
Just like not being able to buy an R100 item on sale for R2 with R1 and claiming to be saving money. Reward programs don’t save you money via banks. They get you to use your newfound savings. You pay the bank for using it, sometimes even for having it.
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